To be clear, I was suggesting that they probably wouldn’t, and that was the… perhaps not ‘concern’, but my point.
If they did, who would care? I’m here for the product, not because the company behind it’s hip, cool, and small.

The whole reason why Monzo exists, is because the legacy banks can’t build this functionality on top of their existing systems, if they could (& perhaps had more desire) they would have created Monzo already.
Sure. I’m thinking more along the lines of Atlassian & Trello.

I think an IPO would be the most likely scenario
And I’d put money on swathes of it being bought up by banks! If you can’t kill it: own it, right?