I’d side with this 
He has more time and a better way of phrasing things!
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Comparing with MSE is valid insofar as to highlight how 1.0 it is. As a lobby organisation, they have helped push through very important changes, which is awesome! But it doesn’t leverage behavioural economics and nudge. It hasn’t streamlined any processes to switch. And it relies primarily on one CRA (itself an outdated model) in their matching product to offer you the ‘best’ deal, to list but a few reasons as to why Martin may not be seeing the switch conversion he (and all of us would hope for).
This is precisely where the opportunity lies with Monzo’s marketplace by leveraging OpenBanking. The opportunity is then there for providers to enter the marketplace to offer up relevant products to Monzo clients. Trust is everything here, as I believe products and services must be a) highly tailored to individual customers financial circumstances, b) proactively offered to account holders, and c) offer up an entirely seamless process
i.e. based on your xyz variables (income, predicted income, spending habits (frequency, amount, type) macro factors, age, CRA data) AND available products in our marketplace (parameters set by providers) = products abc are recommended for you with the following expected financial outcomes (costs/gain) in line with your goals with all usual caveats and transparency over referral fees applying. accept / decline. And boom - the net outcome: people will be better off.
As Tom alluded to, change is a comin’ and it will be game changing. The real questions are can Monzo pull it off and are we ready?
Edited to add: How exciting!
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Unlike most bankers, he is neither a liar or a bore. 
So true! In fact I invested in Monzo because of my confidence in Tom rather than because of the figures or any presentation.
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That is normally the case with me, but actually he was the first one I hadn’t met. Had to be quick in 96 seconds! Had some good chats with him since though.
I must have been quick, which is unusual for me, the only time I would break into a run is if I heard a shop round the corner was handing out free cake!
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