It would! If I had to guess I’d say it’s probably the things that are most different about their two approaches - transparency, engagement with users & their tone (+ potentially, technology) - that caused the disagreements.
I feel I can relate to the Monzo team & that they share my values a lot more than Starling so if I was Tom, I’d be pretty frustrated if I felt that they didn’t understand them. In my opinion, those things are going to be pretty critical for Monzo’s growth, although as we’re seeing, Starling are starting to do a pretty good impression of Monzo now.