More of a question that a feature suggestion I suppose.
At the moment my Monzo account is only as secure as the google account with which I signed up, since I can’t actually make any transactions without the card (or card details) at the moment it’s not really a big deal.
Once Monzo is a full bank, I assume I’ll be able to make money transfers to other peoples’ accounts (e.g. to pay builders large sums) from within the app or (hopefully) the website. At that point is Monzo considering putting in place a two factor system, like a password and an email confirmation for sign in?
There are also implications for the app, such as keeping the ease of viewing it currently has with a pin / fingerprint request needed for transactions. I won’t go into that as it’s been discussed here: Android App, Security and Privacy