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I think that is a little unfair, but what ARE they working on other than Plus at the moment?

business accounts I would think , US expansion , that’s got to be 2 additional revenue streams for monzo

But in very basic terms, business just needs scaling and tweaking. US is a slow burner. But I mean, for example, in the last 12 months we had bill pots, total app redesign, get paid early and so on. Not all those teams and departments can be working on business and US surely, as those projects were already underway.

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