This is amazing. And exactly the sort of content that brought me here - and avoids me getting my crayons out!
It’s really good to know the general direction of travel. And I absolutely get your point about folk getting a bit scared off of radical transparency. I’d like to think there’s a nice middle ground, though, where the Community agrees not to beat up Monzonauts, and Monzonauts agree to tell us (even at a high level) if things have changed and therefore aren’t gonna happen at the same pace or in the same way (or at all).
On the substance of what you’ve said, I really like the vision. I’d love to get to the point where more context driven help is available throughout the app, and that there is an easily available update page for various issues that have been logged (a couple of taps to see what the latest is on that chargeback, that complaint or - hopefully - something more positive!).
You also mentioned back office processes. I think there’s a real appetite on here to understand them better. I think that sometimes there’s a general feeling of well, the app hasn’t changed so nothing is happening. I think lifting the lid up see what’s going on with payments, with fincrime, with public policy etc would be really interesting. Especially some top level ambitions - I really liked @zancler’s presentation last year about Monzo in cash based societies. That was all hypothetical, but an interesting insight into the thinking.
Anyway, I’m rambling, but I really hope that sharing all this works out for all of us.