@davidsulitzer bought this up the other day -
And the below replies were responses that were initially posted in that topic.
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Is it a big loss though? The target market of Monzo are millenials and at the end of the day those āmillenialsā are here to stay whether some people like it or notā¦
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Is that right? Really?
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Massive assumption there I think!
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Possibly but thatās what it looks like to me at least.
I know I look young but Iām not a millennial.
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I understand why it looks like this but in fact, Tomās said on several occasions that Monzo is for anyone who ālives their lifeā on their smartphone.
Click the 
to view the full post.
The content that Monzo produces (i.e. their Instagram stories) is obviously influenced by the fact that itās a relatively young team & Monzo seemingly doesnāt want to be perceived as a boring, distant bank.
But their tone is very similar to Innocentās & Slackās which, as a business productivity tool, obviously isnāt just aimed at millennials. Itās just more approachable.
It might be unconventional for a bank (& most companies) at the moment but considering how much more effective this tone is on social media, I canāt see why this wonāt become the norm. So I expect people will get used to this. Thereās no reason why a companyās employees shouldnāt be able to have fun while also doing serious work.
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Both of my Monzo using parents (late 60s/early 70s) will be delighted to be referred to as āmillennialsā. Iāll let them know.
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So itās only millennials that can have a bit of fun, everyone else can just complain about youngsters these days, the weather and the price of fuel! 
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disagree with that statement
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B******s! Anyone with an Android or iOS smartphone interested in banking on a mobile, whatever their age.
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Douglas Adams had something to say about this
āIāve come up with a set of rules that describe our reactions to technologies:
1. Anything that is in the world when youāre born is normal and ordinary and is just a natural part of the way the world works.
2. Anything thatās invented between when youāre fifteen and thirty-five is new and exciting and revolutionary and you can probably get a career in it.
3. Anything invented after youāre thirty-five is against the natural order of things.ā
āDouglas Adams, The Salmon of Doubt
Millienials may need to Google the name Douglas Adams 
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My Dad is such a Millennial in his 60ās 
I think Iām a Millennial but Iām not really sure.
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Itās one of the reasons I prefer Monzo to Starling. It gives less of an emotionless bank vibe.
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If iām thinking correctly, the video he is referring to would be Monzo Stories, a weekly series we ran on Instagram which featured light hearted behind the scenes snippets courtesy of a different team member each week.
I completely understand why some people arenāt comfortable with the idea of a financial institution creating this sort of content. Looking after someoneās money is a huge responsibility and there has been feedback that a playful approach to tone of voice (and regular use of emoji) doesnāt convey the right level of professionalism.
Personally I donāt think that adopting a more lighthearted approach to communication and operating a safe secure and reliable bank are mutally exclusive. The main thing is context, understanding when a more serious hat is required to make sure our customers have confidence in our ability to assist them any way we can. This is something weāre always working on and why the āMonzo Storiesā videos were reserved for Instagram rather than being featured on our website or other social platforms.
Iād like to think weāre building trust and legitimacy in a more meaningful ways too, via things like our blog posts, meatier video content such as Monzo Insider and most importantly word of mouth.
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I second this. Iāve had enough of emotionless banks not empathising with me or being cold and clinical when I ring up already frustrated about a problem Iām getting. Itās nice having customer service that is not only helpful/ friendly but you think you could be friends with them? And that perception is important. One of my local banks tries very hard to push the image of being your āneighbourā (itās in their tagline) and I think if Monzo wants to put forth a progressive, friendly image being simply professional isnāt going to cut it.
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I think if someone is more than happy with the tone and service of traditional banks then more power to them. Iām not going to begrudge them. Perhaps they still purchase physical newspapers and pay cash for cabs too 
For me, the appeal of Monzo (as both a customer and an employee) is that we think traditional banks have terrible service, their tone is corporate, boring, unhelpful and not even remotely empathetic, and they are generally very dull. We are very consciously doing something different here and itās going to rub some people the wrong way. I personally believe that thatās a very small amount of people. If we work hard enough weāll eventually get them through peer pressure anyway
Iām not at all dismissive of this stuff, but we literally get many magnitudes more happy customers with a relaxed approach, in my opinion.
Frankly Iād be more unhappy if someone said the opposite - that they felt something we did on social was too corporate.
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as empathetic as a dodo fossil
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I wouldnāt say that acting millennial is an issue, I guess some people are set in their ways and would prefer to speak to someone with a shirt and tie that calls them sir or madam.
Is there such thing as being too millennial, personally I donāt think Monzo has a target market of millenials, Iād say its target market is forward-thinkers who are unhappy with the status quo and who want a better way to interact with their money.
Personally, Iād much rather be able to live chat with someone in support in a casual manner than spending 30 minutes on the phone to an overseas call centre getting passed between departments.
Obviously people like what Monzo is doing and how its acting, personally I think its refreshing
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Thatās a better approach, I reckon.