Strange you say that, as I was going through to see what to put on the list I thought that the candidates were smaller than in previous years!
I have no insight, but I think they could do quite a few this year if they put their mind to it (anyone remember the Big List). I think there are three categories of stuff:
- Big software changes (e.g. overhauling budgets) - these will take a few months, at least.
- Small software changes (e.g. view CVV in app) - these are probably quick but get caught up in ‘compliance’ (or something banky)
- New integrations or functions that need external attention (e.g. cheque imaging or investment providers in the app) - these will require lots of lead time, lots more money and lots more dependencies on others.
If I were Monzo I’d pick two or three of the top group, a whole bunch of the second, and one or two of the last. Then sequence, focus, and run hard at them…