Mike Hudack

i would have grown monzo globally i think that that's a very difficult thing to do it's doable over some period of time and i think that monza will expand geographically really well you know in the uk it's growing faster than anyone else it's doing incredibly well i think it will expand into more geos but like

I don't think it was a wrong decision at all. I think that the US is the very big prize. I think that you have to, when you're developing a bank, and it's very interesting, we've kind of taken the opposite perspective with Sling in a way, which is weird in a way, but banking is very regionally specific.

I don't think it was a wrong decision at all. I think that the US is the very big prize. I think that you have to, when you're developing a bank, and it's very interesting, we've kind of taken the opposite perspective with Sling in a way, which is weird in a way, but banking is very regionally specific.

I don't think it was a wrong decision at all. I think that the US is the very big prize. I think that you have to, when you're developing a bank, and it's very interesting, we've kind of taken the opposite perspective with Sling in a way, which is weird in a way, but banking is very regionally specific.

The way that mortgages work in the UK and the way that mortgages work in the US are completely different. Credit cards in the US versus credit cards in the UK, completely different. The way that people think about debt, the way that people think about saving, the way that people think about investing, the pace at which people get paid. All these things are different.

The way that mortgages work in the UK and the way that mortgages work in the US are completely different. Credit cards in the US versus credit cards in the UK, completely different. The way that people think about debt, the way that people think about saving, the way that people think about investing, the pace at which people get paid. All these things are different.

The way that mortgages work in the UK and the way that mortgages work in the US are completely different. Credit cards in the US versus credit cards in the UK, completely different. The way that people think about debt, the way that people think about saving, the way that people think about investing, the pace at which people get paid. All these things are different.

And I think it's very easy to think that you can take a highly localized product and just lift it and shift it somewhere else with a different license and it's going to work.

And I think it's very easy to think that you can take a highly localized product and just lift it and shift it somewhere else with a different license and it's going to work.

And I think it's very easy to think that you can take a highly localized product and just lift it and shift it somewhere else with a different license and it's going to work.

I suspect that the only way to truly do that successfully is to have people in the local market who take the bones of the thing, who deeply understand what has and has not worked about it, and then shape it around local insights. And I think that this is probably more particular to banking than almost anything else.

I suspect that the only way to truly do that successfully is to have people in the local market who take the bones of the thing, who deeply understand what has and has not worked about it, and then shape it around local insights. And I think that this is probably more particular to banking than almost anything else.

I suspect that the only way to truly do that successfully is to have people in the local market who take the bones of the thing, who deeply understand what has and has not worked about it, and then shape it around local insights. And I think that this is probably more particular to banking than almost anything else.

I think that as companies, we had very, very different philosophies. I wouldn't ship some of the stuff that they've shipped, some of the experiments that they've shipped. I would have said, well, I don't think that's going to work or I don't think it's core to our thing. What would you not have shipped? Well, I argued very strongly against shipping crypto products.

I think that as companies, we had very, very different philosophies. I wouldn't ship some of the stuff that they've shipped, some of the experiments that they've shipped. I would have said, well, I don't think that's going to work or I don't think it's core to our thing. What would you not have shipped? Well, I argued very strongly against shipping crypto products.

I think that as companies, we had very, very different philosophies. I wouldn't ship some of the stuff that they've shipped, some of the experiments that they've shipped. I would have said, well, I don't think that's going to work or I don't think it's core to our thing. What would you not have shipped? Well, I argued very strongly against shipping crypto products.

I didn't think it was the right thing to do for our audience, for our user base at the time. Do you think that was right with the benefit of hindsight?

I didn't think it was the right thing to do for our audience, for our user base at the time. Do you think that was right with the benefit of hindsight?

I didn't think it was the right thing to do for our audience, for our user base at the time. Do you think that was right with the benefit of hindsight?

yeah yeah why monzo is a bank it has a very specific position in people's lives of trust you know when i first started working there we didn't actually say the word bank anywhere on the website and one of the things that we realized pretty quickly was that we had all of the i don't want to call them downsides but all of the consequences of being a bank in terms of the regulatory framework and the you know