I’d like to see the ‘hub’ too.
The founders, at least one of them, wanted the hub as a centre of what Monzo should be. But as becoming a full-on bank took its toll, almost all of them have spun off. And replaced by experienced traditional banking leaders which indirectly introduces legacy baggage and at times it seems like Monzo has already morphed from a disruptor into a, erm…, regular bank.
The 
back-end tech still stands out as beyond the competition, and with extra innovative thinking, it could deliver what a lot of people need.
I really hope the early groundwork is built on properly to take Monzo forward quickly. Year-in-Monzo is a snapshot of what is possible - make this a real-time forward/backward data-fetch and the framework for forecasting and/or budgeting is possible - especially with Open Banking connections 
PS> Thanks @Peter_G for another cracking topic for discussion 