If Monzo plan to expand into Europe do they plan to follow the FinTS (Financial Transaction Services) protocol.
FinTS formerly known as HBCI (Home Banking Computer Interface) is a bank-independent protocol for online banking, developed and used by German banks.
Looks like it’s XML-based… 
Can I suggest that instead of plagiarising, it is better to quote the copied text and provide a source, like this:
FinTS formerly known as HBCI (Home Banking Computer Interface) is a bank-independent protocol for online banking, developed and used by German banks.
Thanks for the link with further information! It looks like it is more for websites than apps. I wonder if the German banks have worked up a protocol for apps?