How Monzo built a bank for people who hate banks

Monzo has built a following and a community around its product, allowing it to grow swiftly, build new and category-changing features, and attract a generation that has an uncomfortable relationship to money.

Perhaps it’s the log-in process that makes the typical banking app so painful. Typing in your security code – the one you’ve forgotten more than once – and watching the spinning wheel of misery as you wait for the verdict. What’s gone out since I last looked? What’s yet to go out? For the cash-strapped, typically London-rent-paying millennial, this experience is all too common.

Monzo feels different. The app, which tends to be the first point of contact with the brand, is slick and simple. By virtue of your phone’s security procedures, Monzo functions like a regular app, presenting your...

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