I’m a little apologetic for bumping an old thread.
However, I do wish to challenge you a little bit as to where you see Monzo Plus fitting in with this vision. Is it that the feature set of Monzo Plus doesn’t necessarily fit into the box of “core banking functionality” - many of the current features are more cosmetic? I’m not sure I’d put virtual cards in the “cosmetic” bucket, and it’s on the roadmap, so isn’t this “pulling features and only offering them to those willing to pay a cost”? A potentially valuable security feature.