By the sounds of it they don’t have a cohesive plan regarding environment, but are generally working in that direction anyway. With no solid foundation and review though they will likely miss things. There’s a ridiculous number of things you can just pass by and not realise are a problem.
It’s also worth considering that Monzo are still not profitable, like it or not from a business perspective they have to balance what can and cant be done while they are in their current state. I don’t expect them to be going planting trees or wind farms, offsetting carbon, or moving away from AWS just because its not 100% renewable. We have to be realistic.
It would though be interesting to see a plan in place for their goals in this.