Confusing/arbitrary – Joy - Money App Review

This app is pretty confusing, I think because there are certain questions they don’t want you asking. 1) I’ve found impossible to find out the interest rate on Joy Savings; I’ve looked hard on the app. If I had to guess, it might be because it’s 0. They might not want to publish that. 2) When I started in mid March, it asked me to rate 30 purchases..from August. No idea why that makes sense; not sure why it won’t let me rate more recent purchases to give more updated information. You also just can’t remember from that far back. The app really boxes you in. It’s an awesome idea but I kind of feel like the developers thought people are really fiscally irresponsible-which is true-and can’t be trusted to make their own decisions..for me, the feel is that it groups users into buckets (those bot advisors), but it doesn’t see the individuality within users within each group. I understand the thought is that we rate all our purchases individually but that’s clearly not enough.
Review by ud867 on Joy - Money App.