TS Anil

So that's an example of a product feature that we're not doing it for the sake of monetization, but it's good for the customer and we will do it. A whole bunch of budgeting tools are free. We don't price that. The thing over here to get, right, which is the heart of, I can see that skeptic look on your face, we have to dig into this one.

So that's an example of a product feature that we're not doing it for the sake of monetization, but it's good for the customer and we will do it. A whole bunch of budgeting tools are free. We don't price that. The thing over here to get, right, which is the heart of, I can see that skeptic look on your face, we have to dig into this one.

At the heart of this is rejecting this false binary that is your mission-oriented or you're a great commercial business. I think of that as a false binary because I think done right, both of these things reinforce each other.

At the heart of this is rejecting this false binary that is your mission-oriented or you're a great commercial business. I think of that as a false binary because I think done right, both of these things reinforce each other.

At the heart of this is rejecting this false binary that is your mission-oriented or you're a great commercial business. I think of that as a false binary because I think done right, both of these things reinforce each other.

Talking to you about our mission and what Monzo really is good at, what we stand for and what we invest in every day, what we have built on the back of that is a business where the largest UK digital bank, but not just in terms of numbers of customers or revenues, but in the quality of those customers,

Talking to you about our mission and what Monzo really is good at, what we stand for and what we invest in every day, what we have built on the back of that is a business where the largest UK digital bank, but not just in terms of numbers of customers or revenues, but in the quality of those customers,

Talking to you about our mission and what Monzo really is good at, what we stand for and what we invest in every day, what we have built on the back of that is a business where the largest UK digital bank, but not just in terms of numbers of customers or revenues, but in the quality of those customers,

The engagement that we get from those customers tracked in weekly active users or daily active users is off the charts and leagues ahead of our competitors. The commerciality of it is, as an example, we add over 200,000 new users a month. The vast majority of those are word of mouth in an industry where people spend 100 quid to acquire an account or more.

The engagement that we get from those customers tracked in weekly active users or daily active users is off the charts and leagues ahead of our competitors. The commerciality of it is, as an example, we add over 200,000 new users a month. The vast majority of those are word of mouth in an industry where people spend 100 quid to acquire an account or more.

The engagement that we get from those customers tracked in weekly active users or daily active users is off the charts and leagues ahead of our competitors. The commerciality of it is, as an example, we add over 200,000 new users a month. The vast majority of those are word of mouth in an industry where people spend 100 quid to acquire an account or more.

The engagement levels that I said mean that the propensity to buy every new product from Monzo is off the charts. Do you care about it being the primary account? Of course we do.

The engagement levels that I said mean that the propensity to buy every new product from Monzo is off the charts. Do you care about it being the primary account? Of course we do.

The engagement levels that I said mean that the propensity to buy every new product from Monzo is off the charts. Do you care about it being the primary account? Of course we do.

not for its own thing i had um antoine manel who's the head of growth at revolut on 20 grocery and he was like no we're like a snackables you know try it try it and then over time but we don't care necessarily at first bite different question then do i care at first bite no i'd like to get that at first bite i'd like people to come and bring their whole relationship to monzo in the first instance and many and like large segments of customers do people that are new to banking coming of age new to the country

not for its own thing i had um antoine manel who's the head of growth at revolut on 20 grocery and he was like no we're like a snackables you know try it try it and then over time but we don't care necessarily at first bite different question then do i care at first bite no i'd like to get that at first bite i'd like people to come and bring their whole relationship to monzo in the first instance and many and like large segments of customers do people that are new to banking coming of age new to the country

not for its own thing i had um antoine manel who's the head of growth at revolut on 20 grocery and he was like no we're like a snackables you know try it try it and then over time but we don't care necessarily at first bite different question then do i care at first bite no i'd like to get that at first bite i'd like people to come and bring their whole relationship to monzo in the first instance and many and like large segments of customers do people that are new to banking coming of age new to the country

I don't have another bank account in this country, by the way, bring their entire relationship to us. And that's amazing. But I'm also fine if someone wants to try us out and use us for more and more because the unit economics of that make commercial sense. And it's a great way to make sure more people touch and feel Monzo.

I don't have another bank account in this country, by the way, bring their entire relationship to us. And that's amazing. But I'm also fine if someone wants to try us out and use us for more and more because the unit economics of that make commercial sense. And it's a great way to make sure more people touch and feel Monzo.

I don't have another bank account in this country, by the way, bring their entire relationship to us. And that's amazing. But I'm also fine if someone wants to try us out and use us for more and more because the unit economics of that make commercial sense. And it's a great way to make sure more people touch and feel Monzo.