Here’s @jonas’ presentation from the January 2017 HN London meetup.
He talks about
How we use software to run 100x more efficient operations than legacy banks (operations as in sending out debit cards, not as in DevOps)
& the slides include this diagram 
Love the diagram - it’s so true!
I love the diagram, too! All credit for it goes to truthfacts.com for the original version, @valerio for the idea for the amendment and @Sam for designing the Monzo version on super short notice 
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