I’m a climber. On a semi-weekly basis I end up destroying the tips of my fingers and subsequently logging into my phone becomes problematic. Android has this covered by also giving me a pin entry but with Monzo I have no such luck. After an indeterminate number of fingerprint attempts I get to use a magic email link, so I have to switch app, load email, etc, just to check the notification I just got.
I’m looking forward to the Pixel4’s “faceId” but I don’t know how long it’ll be before Monzo supports that either - and given it’s looking like it doesn’t have a fingerprint reader at all I’m not sure what kind of security to expect.