TS Anil

You know, to answer that question, I'm going to have to back up a little bit, Harry, back up because, as you know, I've spent many years in different sorts of financial services companies and banks around the world. Through it all, I had this big unscratched itch of really thinking that someone needed to reinvent the sector.

You know, to answer that question, I'm going to have to back up a little bit, Harry, back up because, as you know, I've spent many years in different sorts of financial services companies and banks around the world. Through it all, I had this big unscratched itch of really thinking that someone needed to reinvent the sector.

You know, to answer that question, I'm going to have to back up a little bit, Harry, back up because, as you know, I've spent many years in different sorts of financial services companies and banks around the world. Through it all, I had this big unscratched itch of really thinking that someone needed to reinvent the sector.

Someone needed to reinvent how customers and money worked with each other. And in the bigger places I had worked, I tried to do it. But it was clear that the legacy players were never going to fix it. With the best of intent and the best of wanting to do it, it was never going to get fixed by incumbents. And the history of incumbents transforming their industries is anyways very, very sketchy.

Someone needed to reinvent how customers and money worked with each other. And in the bigger places I had worked, I tried to do it. But it was clear that the legacy players were never going to fix it. With the best of intent and the best of wanting to do it, it was never going to get fixed by incumbents. And the history of incumbents transforming their industries is anyways very, very sketchy.

Someone needed to reinvent how customers and money worked with each other. And in the bigger places I had worked, I tried to do it. But it was clear that the legacy players were never going to fix it. With the best of intent and the best of wanting to do it, it was never going to get fixed by incumbents. And the history of incumbents transforming their industries is anyways very, very sketchy.

And for all of the obvious reasons of legacy tech and legacy mindset and business models to protect and this and that and the other. So it had been a thing for me for the longest time. So it wasn't an accident that I ended up in the conversation with Monzo in the first place. Because I'd been seeking to do that thing, be a part of a team that was going to change the sector forever and ever.

And for all of the obvious reasons of legacy tech and legacy mindset and business models to protect and this and that and the other. So it had been a thing for me for the longest time. So it wasn't an accident that I ended up in the conversation with Monzo in the first place. Because I'd been seeking to do that thing, be a part of a team that was going to change the sector forever and ever.

And for all of the obvious reasons of legacy tech and legacy mindset and business models to protect and this and that and the other. So it had been a thing for me for the longest time. So it wasn't an accident that I ended up in the conversation with Monzo in the first place. Because I'd been seeking to do that thing, be a part of a team that was going to change the sector forever and ever.

So that commitment and belief in the mission was very real for me. So encountering what Monzo was when I started, of course, you've talked about all of the things that were wrong or broken or difficult. But if I looked at the hand I had to play, there were some good cards in that hand. we had found a magical product market fit with our initial current account product.

So that commitment and belief in the mission was very real for me. So encountering what Monzo was when I started, of course, you've talked about all of the things that were wrong or broken or difficult. But if I looked at the hand I had to play, there were some good cards in that hand. we had found a magical product market fit with our initial current account product.

So that commitment and belief in the mission was very real for me. So encountering what Monzo was when I started, of course, you've talked about all of the things that were wrong or broken or difficult. But if I looked at the hand I had to play, there were some good cards in that hand. we had found a magical product market fit with our initial current account product.

We'd found a brand and a tone of voice that had really resonated across the country. So in addition to that, all of those problems you talked about were real, right? We were running out of capital and there was COVID on our revenues that had fallen off of a cliff. Monetization was lagging the user growth. So every version of problem that you can think of, we certainly had that as well.

We'd found a brand and a tone of voice that had really resonated across the country. So in addition to that, all of those problems you talked about were real, right? We were running out of capital and there was COVID on our revenues that had fallen off of a cliff. Monetization was lagging the user growth. So every version of problem that you can think of, we certainly had that as well.

We'd found a brand and a tone of voice that had really resonated across the country. So in addition to that, all of those problems you talked about were real, right? We were running out of capital and there was COVID on our revenues that had fallen off of a cliff. Monetization was lagging the user growth. So every version of problem that you can think of, we certainly had that as well.

But if I looked at the full hand, this is what I wanted to play. And I guess at a deeper level, I've Never been shy to run towards a fire. Never been one to sort of balk because it feels difficult. If anything, it feels more like, yeah, I'm going to give this a swing. I'm going to give it everything I've got and it won't fail because of something I did not do.

But if I looked at the full hand, this is what I wanted to play. And I guess at a deeper level, I've Never been shy to run towards a fire. Never been one to sort of balk because it feels difficult. If anything, it feels more like, yeah, I'm going to give this a swing. I'm going to give it everything I've got and it won't fail because of something I did not do.

But if I looked at the full hand, this is what I wanted to play. And I guess at a deeper level, I've Never been shy to run towards a fire. Never been one to sort of balk because it feels difficult. If anything, it feels more like, yeah, I'm going to give this a swing. I'm going to give it everything I've got and it won't fail because of something I did not do.

There's a deep sense of like, I'm going to try and make this work. What was the single hardest thing that you had to embrace in terms of those challenges? There's some situations where you have to sharpen focus and just do the one thing. This was not one of them. I wish it was like this was the one thing we did that sort of unlocked everything else. And sadly, it was not.

There's a deep sense of like, I'm going to try and make this work. What was the single hardest thing that you had to embrace in terms of those challenges? There's some situations where you have to sharpen focus and just do the one thing. This was not one of them. I wish it was like this was the one thing we did that sort of unlocked everything else. And sadly, it was not.