Monzo Senior backend engineer & open banking lead @kieranmch has recently posted on twitter that he has been trying out āthe most technically complex thingā he has ever helped to build. Lets have a bit of fun with a poll and see if we can come up with any ideas what it might be.
0 voters
Weāre already discussing this here:
Looks like it could be related to disputes:
Ah didnāt see that 
But worthy of its own thread Iād say!
Iād love something super exciting 
Nah not playing what could it be, howās about they just say on the Twitter post, if itās pretty much complete and just doing final testing then itās hardly needs to be a state secret and sure the competitors arenāt that fussed
Nor me. I have the patience to wait to be under/overwhelmed by whatever it is, whenever it arrives.
From reading the post it looks like theyāve already downplayed how āexcitingā it will be.
So I think Dark Theme and advanced budgeting can certainly be ruled out.
Although dark theme most definitely seems on the horizon for Android at least, but itās probably not the technical challenge mentioned by Kieran, as others have already said 
Canāt wait!
That is a great read and although Iām on iOS has got me very excited!
Letās just say dark mode and budgeting tools would not fall within my teamās remit 
Open banking stuff then?
If itās open banking it wouldnāt suprise me if itās something like seeing other accounts in your Monzo app.
Iām pretty sure I know what this is based on a few Slack tidbits I saw before I left. But the fact that I donāt know for sure is kinda exciting 
I think it is paying anybody with a text or link.
monzo.you
That has existed for years already thoughā¦
Also Kieran just said itās not the other two options on the poll which confirms itās open banking 
It can be related to open banking. In fact it would work a lot better using the open banking APIs.
The ātechnically complexā bit makes me think itās seeing your other accounts in Monzo, just because youāve got so many other bank integrations to test and fine-tune, whereas to the end user it would just work.
It could also be:
Pay by bank app
Cheque imaging
International transfers
A magic money tree
The seeing other accounts in Monzo would make sense. It would encourage people to CASS, too - they can see exactly what will be moving over to Monzo and be reassured? 
So now you donāt work for Monzo you can share it 