I imagine stuff like this would be built in Monzo time unless it proves to be profitable.
However, London is a city with a population of almost 10 times the current number of Monzo users + a few more million daily & weekly commuters. Building something which would be useful to people using London’s transport system could be very productive for Monzo from a growth standpoint.
Also, you’d hope that anything built specifically for London transport could also be extended to other cities and companies in the future.
In addition, from what I’ve seen, Transport for London tend to be more up to date with technology than most other cities in the UK and so some stuff might be possible with them but not currently possible with other UK cities or transport networks.
Examples of stuff I’m talking about:
* Automated transport refunds for late trains.
* Integrated railcards.
* More detailed journey history.
* Storing monthly/annual tickets on your card.
I think this is the best way to think about it:
Monzo regularily builds features which don’t help everyone in its customer base and as Monzo continues to build more specialised features this will happen more often. For example, a gambling block, joint accounts or savings pots are no useful to me at the moment.
However, these features aren’t useful to a load of people (just like integrated railcards for London transport), but a load of other people do find them useful.