Iāve only got to point 1 and Iāve already had to take a minute outā¦
Iām all game for criticising Monzo and showing where its pitfalls are - but taking the first point for instance: āMonzo wonāt be Americans primary bankā - so letās compare it to the primary bank they will be using 
Article about Slack - Monzo is mentioned a few times this was the most interesting comment
https://www.ft.com/content/c91a5136-1fa3-11e9-b126-46fc3ad87c65
āEven ardent fans can have too much of a good thing. Mr Templestein of Monzo said he deleted the app from his smartphone: the temptation to keep looking into communications streams inside his business, even when he did not need to, was too great.ā
Itās a good point. I donāt have emails on my phone for that exact reason, but I DO have slack and had to mute it whilst on holiday. Itās basically work emails but more chatty and more notifications
Data from IT analytics firm ITRS Group shows that for a nine month period last year, Barclays experienced 41 outages, Lloyds Bank 37,
and Bank of Scotland 31.
In the same period, Monzo had a single outage, and Starling Bank had none at all.
Pay walled sorry:
This is seeing 60% of U.K. signups remain long-term active, transacting at once per week
Thatās a really good stat
And (sorry for the paywall):
https://www.ft.com/content/31527e48-9689-11e9-8cfb-30c211dcd229
Monzo Valuation update in The Times
They list Monzo as tech you need for Glastonbury 
Same topic thatās been covered in recent posts in this thread, but from CNBC, a US source.
This bit caught my eye from the CNBC article: 
The branchless bank is now making Ā£4 on each customer it signs up to the platform, versus a Ā£15 loss per customer last year, according to a company spokesperson.
So weāre now significantly revenue positive per customer now. Next step, to break even on an all cost basisā¦ 
Hopefully more in the annual report - which might be coming sooner than we thoughtā¦
ā¦and these from the Times article similarly caught my eye:
Monzo was created in February 2015 by a team who had worked for Starling, another financial technology start-up, led by Tom Blomfield, 33. It gained a banking licence in April 2017 and now has two million current account customers, including 1.6 million who are active every month and 480,000 who pay in their salary.
The bank says that while only a third of active users pay their salaries directly into their accounts, a significant number of others use a larger bank but then switch the money into Monzo and use it as their main account each month.
Emphasis mine.
This one says +Ā£2 for every active customer:
Perhaps the +Ā£2 is the average across the active customer base, while the +Ā£4 is for new customers only.
Appreciate many will feel itās irrelevant, but this whole ānumber of people who pay their salary inā is such a misleading stat.
Monzo class anyone who pay in Ā£1,000 (even from their own legacy account), as someone who has their salary paid in.
So to me, that 480,000 figure is much closer to the true āactiveā figure, than the 1.6 million who make 1 transaction per month.
That being said, despite the misleading wording, the numbers behind it all look really good 
Thatās impressive. So more people paying in their salary than some other banks have customers. Not bad at all. Even at half that amount itās more.
By your definition, even though I use Monzo almost daily for all discretionary spending and some smaller bills, Iām not an active user 
Itās not my definition - Itās Monzoās 
Obviously people who use their account daily are going to be active users.
Itās more the āsalary being paid inā part which isnāt technically true.