I think you have exaggerated some of the status’.
ISAs - whilst delayed, its been pushed back - I don’t think a “firm” date was ever set…
Loans - still in test and learn phasing, so feedback needs to be received so further iterations can then be developed
International Transfer - if work is still being done, why is that a problem?
Business Banking - a very small pilot started - you can’t just go gung ho with something like that?
Savings accounts - will be following the ISA Oaknorth partnership
You’ve then had more business developments:
- Big Issue
- Credit Card Integration
- Small Mortgages Testing
- Monzo Plus Testing
and I’m sure (this is off the top of my head) a few more pieces of development that are currently being undertaken.
Just because you can’t see it, doesn’t mean there isn’t a team back at Monzo that are currently developing requirements, rules, standards, concepts etc etc. Although we can’t see it, I don’t think Monzo are just sat there in a board room twiddling their thumbs.
They’re at a crucial point in their development as a business, so whilst a Sweeper Team like @codf has suggested is a brilliant idea, can they afford it? do they have the time to bring those guys in? do they have the time to section those guys off from a current development team?
I’m not saying that there are not little niggles and little bugs and things that need improving and iterating on - but other things are currently having to make way.