Agreed, this has to be a safe bet. I’m not quite as optimistic that I’m going to love the changes. I’m again reminded of complexification. I loved monzo for the simplicity of the current account feed, and I feel some of that is at risk of being lost, or at least hidden behind other layers.
I think this is inevitable but whether or not it happens in the next 12 months depends a bit on how competitors’ apps develop.
I think we will see the credit card launch but it’ll be interesting to see how the pitch it. I see people on this forum asking for a fintech credit card - will starling be that? And if so, will it be enough to make it a success?
I suspect you’re right about there being more fallout from the covid loans.
No. Nope. Never. Too clunky. Too likely to create confusion when the data is wrong. Too 1990s spreadsheet vibes.