Other Monzo users who live in your area, who are your age, pay x% less when they travel using buses, rather than the tube… 
Yes Monzo has to be careful about how they identify & deliver their insights but when has any Monzo feature not been carefully thought out, to insure that it’s unobtrusive, in the past?
Yes, and in that example you’ve given Monzo access to data above and beyond simply your spend (through future tfl integration), also London only 
. I’m not denying that Monzo could do this and do it well, I just don’t believe even with all the demographic data they have that this could lead to useful suggestions without external data.
Looks like they’re planning on providing suggestions on places to visit on the website, but not the app.
I wouldn’t assume that that information won’t be in the app too, there’s no reason why that couldn’t be included in the ‘welcome to [country]’ invites. But obviously Zander was specifically focusing on his plans for the website in that post.
This could be great