I mentioned in the Emma Pro feedback forum that I thought Emma integrating with bill management services, such as Onedox, could be good. Edoardo asked me to post the idea here so it could be discussed further.
For those of you who aren’t aware of Onedox (by the way, I’m not affiliated with them in any way), they are a household bills management app. Just like Emma lets you link your current account, credit cards, savings accounts and investments and see them all in one place; Onedox does the same, but with household utility bills:
Now, Emma already detects recurring payments and subscriptions, so some of the functionality of Onedox already exists within Emma. Where Onedox goes a step further is that you can actually view your bills within the Onedox app, and Onedox even offers a subscription service where they will automatically move you onto better tariffs if available.
Onedox also already have an API and developer platform, and there are other Fintechs already using it. Starling Bank, for example, allows you to view upcoming payments, your Onedox health score (effectively an indicator of any outstanding admin on your various accounts), and any to-do items created within Onedox, from within the Starling Banking app (apologies for the badly scrubbed out balance on the Wealthsimple tab; I didn’t want anyone seeing how pathetic my pension is!):
I reckon this could be useful behaviour to have within Emma. It would compliment the existing recurring payments/ subscriptions that Emma already handles (with much aplomb, I might add), whilst also allowing users to get more insight into their utility bills. By pulling the data in from Onedox, Emma could benefit from all the existing integrations that Onedox already have with major utility providers; Sky, Virgin Media, Council tax, EE, E.on, British Gas etc.
Perhaps the information could be presented in the existing subscriptions tab within the main feed, or maybe an additional setting for ‘committed spending’ (which could perhaps also include pensions and personal loans, if this were feasible) could be added to the accounts section.
Does anyone have any thoughts on this? It’s really just an idea I had at this point, but I thought it may be worth discussing further.