Christmas parties are for silliness 
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I know, but having a slightly different name each year?!
That’s just taking the silliness too far.
Does it really matter? 
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No, obviously not! 
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I can’t really do work Christmas parties, my demanding inner introvert takes over and it always feels excruciating to be part of. But those pics do look gloriously silly!
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Neither, not for the same reason - just cause I make a massive cock of myself and always end up the talk of the office - 2019 I ended up falling into a hole in Birmingham where they were doing waterworks
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Too much information.
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if that is considered too much information, then there’s a lot of conversation you’d find hard to digest lol
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On balance I’m posting this here rather than in the Starling thread, but I’ve been looking for this article for ages…
https://twitter.com/simonvc/status/1362768259007791107?s=20
The precise quote I was looking for was:
Ms Boden, a former AIB and Royal Bank of Scotland banker, met Mr Blomfield at a dinner shortly after she left RBS in 2011.
“He was very reluctant to tell me the idea, he was very suspicious of me”, she told the Financial Times last year. “I was in a world where we were trying to protect the status quo and he didn’t understand that status quo.”
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He tweeted again after to say it was 6 years ago today, so it’s a 6 years ago I helped start Monzo vs the present day of starting fronted tweet
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I think if it had been “How I started” I might have understood it first time.
It’s baciacally, “Where I started” and “Where I am now”.
The articles is from 6 years ago today when he joined Monzo, Fronted is the company he recently founded
But that’s not how it started. Surely how it started would be his first day at Bank Possible, or a financial institution he worked at before if there was one, to today. The first chapter if you like had already finished when he left Bank Possible. 6 years to the day is 6 years to the day. How it started is how it started. Weird.
It’s like he’s one of us old people who hasn’t quite got the hang of the trend so tries their best and gets laughed at by the internet for doing it wrong… not that I know what that’s like at all. 
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The article is mostly about recent fundraising, but also mentions Monzo now has 130,000 Plus/Premium users and 70,000 business accounts.
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Which puts Plus/Premium uptake at 2.6%.
Given the amount of developer time devoted to it, and they way they’re hobbling the basic product, I’m not sure about the economics of this 
I can’t read the article because it’s paywalled. How much development time was devoted to it?
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What would constitute successful to you?
I have no idea what percentage of customers other banks manage to attract to paid accounts, but my hunch is 2.6% of all customers or approx 9% of salaried customers (assuming approx 30% of accounts are salaried by Monzo’s definition) is pretty good going.
(particularly since it’s less than 1 year since launch)
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If you’re going to invest time developing software that could - for very low costs - be rolled out to the whole customer base, improve the product, drive sales and account switches, make more people go fullmonzo, then 2.6% sounds poor to me.
If you’re throwing a few insurance products together and calling it a bundle, then 2.6% or 9% of salaried accounts actually sounds fairly reasonable.
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Do they mention how many of those business account are the paid for version?