Not sure - as a retired CIO that’s done a lot of M&A over the years that increased significant value to shareholders relatively quickly I sometimes think that buy vs build is ok - but only sometimes in this fast paced fintech world! 
PS I retired at 55 five years ago lol!
You can vote for this feature here:
Monzo has the plan for 3 main revenue streams this year:
These are a company goals which will help us be (eventually) profitable.
Unlike a lot of legacy banks, we don’t want to take advantage and make profit on day-to-day customers. 
Unfortunately credit cards aren’t on the horizon quite yet…
Cool! Although I’m not a big believer in the premium accounts, given the Plus fiasco.
This suggests differently… Lombard rules / unfair overdraft rates
I would imagine this is disappointing news to some 
That explains the high overdraft rates then 
So who do you want to make a profit from?
Sorry to all if the phrase was a bit misleading. 
What I meant is that Monzo may have you as a customer without necessarily having any tangential profit.
Monzo wants to earn revenue from Paid products - for people who want to take advantage of those features. Also from business accounts (not what a day-to-day person cares about)
Lending is a bit more mainstream, you are right.
We can all have fun and games for now, but if the company never becomes profitable, there is nothing left… These are decisions that keep the business going.
I definitely want to hear feedback on it though 
reducing the operating cost is an interesting one. What are the plans for that and what has already been introduced?
Some of it is by improving the user experience and information such that customers only need to contact Monzo if something is majorly wrong.
Other bits involve improving training for customer operations and outsourcing (within the UK) part of that workforce to specialised agencies
How could I imagine Saturday evening: Netflix and Community Forum (no chill)
It’s what all the cool kids do
Like?
I’d assume that would be Sykes.
I don’t know the exacts myself (I’m in payments).
I hope there is no Outsourcing.
I hope they can however automate as much as possible to reduce costs per customer
Well there are always things that could or should be outsourced and things that should not. I am not sure any business gets the balance totally right, but it’s there to aim for
Examples of where it might make sense: Catering, travel booking, building maintenance, cleaning, telecoms
Examples of where it might not make sense: Development, product security, governance, finance, legal
I would say that everything else is somewhere between the two. Some companies outsource site security and IT and HR and the like
Merchant data corrections? Seems like a good thing for outsourcing
Yeah, that could even be opened up or pooled as well