I think you want it to be a financial hub, right?
The reason I say that it is one is that I think that there are still lots of Monzonauts that sub-consciously approach app development with a Monzo = spending card mindset. We see that in the skeuomorphic representaton of the account by the card and in some of the copy in the app.
If we get over that, then we have folk thinking that Monzo is a current account. Which is true and all that, but it constrains thinking and leads to a sub-conscious movement towards a (perfectly nice) digital bank - rather than pushing the boundaries and going for a platform play.
So I don’t really think that Monzo is a perfect financial hub now. But if we keep calling it a current account I fear that’s all we’ll get. So a financial hub it is.
Does that make sense?
(Cue new CEO’s new year blog canning financial hub and doubling down on banking)
(I also think it says something that I can’t remember the new guy’s name).