A 2 billion FinTech keeps copying my ideas and I feel fine

You know when you get that feeling youre being watched ? Recently Ive had the suspicion that the darling of the FinTech world, Monzo, has beenwell, following me around. And then pilfering my stuff. My digital stuff that is, not my money or anything, although they do have my money but that's because they're my bank.

Anyway, you might be asking what a cool challenger bank, flush with 211 million in crowdfunding and VC money, valued at a cool 2 billion, could want with little old me?

Read on for a thrilling story of money, intrigue, and pointless pettiness (by me).

Rewind to June 6th. Take a look at this blog post from them; a lovely little article on an easy way to save pennies a day, where before you know it youve saved 667.67, and look, you can entirely automate it thanks to their amazing integration with IFTTT.

IFTTT (If This Then That) is a way non developers can glue different web applications and web enabled things together using things called 'applets'. IFTTT is great for doing things like posting your instagram pics to Twitter, or turning on your internet enabled lights once you have walked 12357 steps. Its geeky, weird and amazing, and Monzo, a bank, has IFTTT integration. This is incredible and one of the reasons I love them. I was so enamoured of this partnering that a year ago over a few evenings, I worked out the byzantine labyrinth that is the IFTTT developer platform, to write my own IFTTT Monzo applet. Now lets look at the IFTTT screen shot on that blog post again:

Zoom. Enhance! Look! IT ME!

WOW, they posted a link to my applet! How cool!

I know what youre thinking. Conrad, youre reading a bit much into it. They just posted a link to a little IFTTT applet you wrote, so what?

Maybe. Honestly, I was quite excited, and also a little sad they didnt credit me - just a link to my Twitter account or some kind of shout out. Ive only got 200 followers, and theyve got loads!

(Told you I was petty)

Anyway, my spideysenses were tingling. Something was up, and 8 days later, I saw Monzo tweet this to their 91K followers (91K!):

Monzo

@monzo

If you're doing the 1p Savings Challenge, follow @1pSaving for daily updates on how much you should be setting aside each day twitter.com/1pSaving/statu

09:50 AM - 12 Jun 2019

1p Savings Challenge @1pSaving

IT'S DAY 163! Today set aside 1.63 Total? 133.66

3 25

(@1pSaving is a Monzo account btw)

Wait a second!, I hear you say, by jove this looks like a very similar tweet to those sent out by the popular* account @365Saving!

* not that popular

Lets take a look shall we:

1p Saving Challenge

@365saving

Forward saving from 0.01:
Save 1.63 today. 133.66 total saved this year!

What are you saving for?

07:07 AM - 12 Jun 2019

0 0

OK, well let's kindly brush over them using the exact same name (plus an "s"), and I dunno whats going on with the weird currency symbols (Ive fixed that now), but yeah, theyve got the same loose emoji loving vibe. But so what?

Well reader, hows this for a plot twist that I may have sign-posted a bit in the previous paragraph...

I WROTE THE @365SAVING bot! Yep, the mastermind behind the reverse 1p saving challenge IFTTT applet also wrote an automatic saving challenge twitter bot! And look closer, this bot is SMART. OK, not book smart, or street smart, or smart like a fancy dressed person. Not machine learning smart either.

OK now I can barely bring myself to call it a bot.

But loooook, adorable little piggy! Also, every day it works out the amount people should save, AND it automagically generates inspiring ideas for things they could be saving for in emoji form. Yesterday it suggested . The day before ! Relevant. Actionable. Fun. Like me!

So WTAF? Monzo have copied my Twitter account. No warning, no hey CJ just FYI we really like your twitter bot but your emoji usage is a littlemuch, so were gonna do our own.

They couldnt even claim ignorance. I told them about it when I first started it in 2018, and they replied with cheerful social media positivity. They follow the account. Ive posted details in their forum!

So its settled. Monzo have used my stuff twice in 8 days and theyll keep doing it till Im dead, because if they dont then I might eventually start my own bank which would be better than theirs and then I would win.

Or maybe because they just like the things Ive done, whatever.

Anyway, I reached out to them about their latest transgression and sent them details about how to automate their @1pSavings tweets (and you can do it too!) Theyve been awesome (damn them, theyre so nice) - theyve credited me on their @1pChallenge account and they are sending me some swag

More than that, finally Ive got some validation that some of the little hobby projects I tinker on are actually quite useful to people Im going to go back through my half finished, abandoned and never started ideas & projects with renewed optimism and vigour. And if Monzo come looking for any more of my stuff, Ive got a good idea which one theyll wrap their grubby little mitts round next!

And maybe theres another thing I should learn from this. If I want Monzo (or any other massive company) to stop nicking my stuff, Im going to have to do more than write a little bit of nifty code and stick a cute pig on it. Nifty code is just a feature. Nifty code isnt defensible. Its not a moat. Users can be a moat. Community. Content. Stuff that needs perseverance, repetition, graft. Hustle. Annoyingly it cant be automated. Its almost the opposite of coding really.

Piggy out

tl;dr:
Monzo linked to a thing I did and copied my twitter bot - I got swag and a chance to write a blog post and everyone did alright out of it.

How about you? Have you written something that got adopted by a bigger company? How did you feel?