100% agree with the clutter thing.
My dream would be that, during the onboarding process, Monzo ask a few simple questions that allow it to determine what you care about and what you want to see in the app. Then it can switch different widgets/sections on/off based on this. You can still go in and tweak afterwards, you just don’t get everything thrown at you at once (but you do get to see what you want to see broadly).