In terms of making it more intuitive to bring data into Monzo, I will assume you are talking about banking data from other banks. I have some opinions on this, as I was also tech lead on our credit cards in Monzo project, which is currently on hold while we wait for all banks to make their credit card products available on Open Banking. We were using screen scraping before, which was really quite unreliable and generated a lot of support load for us.
We will migrate away from screen scraping and towards Open Banking flows, which will be more reliable. While we do have some control over the experience in our own app, we are limited by other banks’ login interfaces. These have improved significantly over the past 6-12 months as some of them were truly awful before and completely impossible to use. In many cases we will be able to use app-to-app authentication, so you’ll jump out of the Monzo app and into the other bank’s app, and then straight back 