Bring in better analytics. “What gets measured gets done”. The budget itself is only half of the picture. We’ve seen through Year In Monzo that they have the capabilities, but it gets used for a once-a-year marketing event, rather than an ongoing user benefit. (Sure it would take more ongoing processing, but still). Much like Monzo’s pretty excellent fraud spotting systems; Imagine if you could see trends going in the wrong direction, mid year , so you can do something about it