Tom, I have seen the annual report and slightly concerned with Monzo’s future however, I do believe that Monzo is still to date the best mobile only bank out there and doesn’t deserve to crumble. From my understand I can also see that passion capital (Ms Burbridge) has reduced their stake in Monzo!
Now you are at Generation Home, a ‘modern’ mortgage provider I believe this would be a great opportunity to merge Monzo and GH - allowing Monzo customers direct access to Mortgages whilst allowing Monzo the ability to earn some serious dollar!
(Also, I believe I have a great idea in regards to GH - came up with it a few years back - just need a better understanding on how to get the right team around me to develop it)