TS Anil

So, I mean, here's the thing. There's a false binary in what you're saying, right? Because there's this belief that a values-oriented culture can't also be a high-ambition, high-growth culture. And I actually don't, I reject that binary.

So, I mean, here's the thing. There's a false binary in what you're saying, right? Because there's this belief that a values-oriented culture can't also be a high-ambition, high-growth culture. And I actually don't, I reject that binary.

So, I mean, here's the thing. There's a false binary in what you're saying, right? Because there's this belief that a values-oriented culture can't also be a high-ambition, high-growth culture. And I actually don't, I reject that binary.

But work-life is a part of an overall value system because ultimately, I believe that if you hire amazing people, put them into a culture which really values them and is an inclusive culture, people work incredibly hard against that mission. And it's a lot of things that add up to this culture where you care about customers, not because they're a number, not because they're an ARPU.

But work-life is a part of an overall value system because ultimately, I believe that if you hire amazing people, put them into a culture which really values them and is an inclusive culture, people work incredibly hard against that mission. And it's a lot of things that add up to this culture where you care about customers, not because they're a number, not because they're an ARPU.

But work-life is a part of an overall value system because ultimately, I believe that if you hire amazing people, put them into a culture which really values them and is an inclusive culture, people work incredibly hard against that mission. And it's a lot of things that add up to this culture where you care about customers, not because they're a number, not because they're an ARPU.

Not because they're sort of a stepping stone or a vanity metric, but because you say, okay, let's build it right. And I think if you get that magic right as a company and as a team, the outcomes of that are the quality of the business that we're building. I mean, the proof points are here.

Not because they're sort of a stepping stone or a vanity metric, but because you say, okay, let's build it right. And I think if you get that magic right as a company and as a team, the outcomes of that are the quality of the business that we're building. I mean, the proof points are here.

Not because they're sort of a stepping stone or a vanity metric, but because you say, okay, let's build it right. And I think if you get that magic right as a company and as a team, the outcomes of that are the quality of the business that we're building. I mean, the proof points are here.

If I was saying this to you four years ago, you'd have been right to be even more skeptical and say like, what the hell, they're never going to happen. But look at where we are now.

If I was saying this to you four years ago, you'd have been right to be even more skeptical and say like, what the hell, they're never going to happen. But look at where we are now.

If I was saying this to you four years ago, you'd have been right to be even more skeptical and say like, what the hell, they're never going to happen. But look at where we are now.

I'm proud of the team, Harry. Inherited some amazing people that I've got to partner with. You know, Jonas, the co-founder, who stayed on as CTO. Sujata, the CEO, who joined us right after I'd started. And all of the amazing people that we've hired since then. And the amazing original Monzonauts that are still here building out the dream. I'm insanely proud of all of us.

I'm proud of the team, Harry. Inherited some amazing people that I've got to partner with. You know, Jonas, the co-founder, who stayed on as CTO. Sujata, the CEO, who joined us right after I'd started. And all of the amazing people that we've hired since then. And the amazing original Monzonauts that are still here building out the dream. I'm insanely proud of all of us.

I'm proud of the team, Harry. Inherited some amazing people that I've got to partner with. You know, Jonas, the co-founder, who stayed on as CTO. Sujata, the CEO, who joined us right after I'd started. And all of the amazing people that we've hired since then. And the amazing original Monzonauts that are still here building out the dream. I'm insanely proud of all of us.

The odds were decked against us. The naysayers were having a field day. And it's amazing to actually build out what we've built.

The odds were decked against us. The naysayers were having a field day. And it's amazing to actually build out what we've built.

The odds were decked against us. The naysayers were having a field day. And it's amazing to actually build out what we've built.

Yeah, a lot feels to me like it has not changed. The size of my ambition for what we think Monzo will be has not changed. If anything, it's only been amplified. At each point of inflection in the business, what we have done as a team is bent the curve upwards.

Yeah, a lot feels to me like it has not changed. The size of my ambition for what we think Monzo will be has not changed. If anything, it's only been amplified. At each point of inflection in the business, what we have done as a team is bent the curve upwards.