Thanks Kieran, really interesting.
At the risk of repeating myself, I wonder if there’s a germ of an idea about integrating with more niche providers as part of a commercial arrangement.
To expand, lots of smaller financial services providers don’t have the money, inclination, skill or interest to provide an app. And certainly nothing to rival Monzo. So, I wonder if Monzo could perform that role for them? It might need a tighter integration, but maybe there might be a partnership / commercial arrangement in there somewhere?