This is a wish list from a user experience perspective:
-A clear roadmap of work to be done, like we used to have with the monthly emails
-International transfers/IBAN finally worked on
-Increase limit customer flow automated/sped up
-A better solution for cash/cheque payments in
-Merchant data, merchant data 
Profitability and expansion Iâd imagine. Iâd honestly just like to see more of what Monzo have been doing 
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Sure! Iâm just saying this from a user experience perspective.
God I wish I could. Itâs like self-flagellation.
Isnât this why Tom changed roles? The CEO doesnât have time for all that. They leave that to the product teams
Hopefully now Tom will have time to do the overseeing
To try to strike a better balance between profitability and improving the user experience (and expansion).
Once you become president of a company, your chief days are over.
Agree with closing the forum. It serves no purpose then people bitching and complaining because a feature wasnât implemented. The days of Monzo interacting with the community are long gone.
I wouldnât. The forum has a value to its members beyond being all things Monzo. The moaning is part of the purpose - a place to vent and applaud and get excited and frustratedâŚ
But disconnecting it from Monzoâs operational thinking - ceasing to regard it as a primary source of ideas. Definitely. Like you sayâŚ
I think thatâs true in any effective developmental sense.
I think stepping down/moving into the President position is about getting away from operational / regulatory issues. Taking on the COO position would mean jumping right back in the fire.
From a user experience perspective improving the speed of customer support has to be top of the list, I would say.
I would have thought profitability, investors wonât keep pushing money into something if it doesnât return a profit. You can have the best whatever but if you donât make money then eventually the wheels will fall off.
The forum is both a blessing and a curse but shutting it down will make it like every other bank out there. To me, personally, it is what sets it apart
Dark mode 
But then where would people come to complain about Monzo freezing/blocking their accounts or stealing their money?
Where would people get expert advice on how to operate their washing machines? Or find out what time their local off licence opens?
And most importantly, who would Monzo use as Tier 1 support?
Or which frying pan to buy ⌠
Number one on the new CEOs to-do list: Get Monzo monetised and cash generative.
People with a good income, good credit score and low credit utilisation should be able to see some form of decent sized offer for an overdraft, loan and credit card. If it is overpriced that is fine (let the user decide that), but let there be some kind of offer to most people instead of the current hugely over-cautious / coin flip approach which looks like it was broken at launch and never fixed.
As much as I dislike everything about the incumbents, you could take any one of their lending teams, transplant them into Monzo and they would be generating hundreds of millions in income from 4m users, yet Monzoâs lending team hasnât got a penny to scratch their arse with after a couple of years of âiteratingâ their approach.
Once the revenue is flowing then they can experiment with marketplaces, open banking etc. if thatâs where they want to go.
It was iterated and fixed after launch, then once the Covid-19 mess hit it got dialed right back down again in order to reduce potential exposure to bad debt.
Again, events have overtaken this statement. Banks are expecting huge amounts of bad debt as a result of Covid-19 and the recession. Several have reported profits being wiped out.
Potentially Monzoâs cautious lending approach has been very helpful in limiting exposure to losing money to bad debt.
Interesting points - and I always love a good Shakespeare quote, donât you ? 
Monzo wonât swing from a ÂŁ50 million ish loss to a profit by next year even without the Pandemic it would not have achieved this - the new CEO should raise at 40% Discount if thatâs what is necessary and then find a partner with deep pockets to take them over - otherwise it will be in an even more desperate state next year and definitely wonât be able to raise any money in the middle of a depression.
And I donât blame them - the forum is no longer representative of the user base. It would be inappropriate to use the forum to inform product development. That doesnât mean they arenât conducting user testing/focus groups with representative, randomly selected users/potential users. The forum was great in the early stages for creating a buzz, but now Monzo is a household name. It doesnât serve any useful purpose to Monzo any more, and Iâm fine with that.