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Right now, almost 2.5 million people are using Monzo, and around 250,000 people are joining us every month! We want to make money work for everyone. And one of the biggest challenges we’re facing as we grow is making sure we can consistently deliver amazing customer service, every time.

First and foremost, this means being there to answer your questions and fix your problems whenever you need us. But it also means keeping our costs reasonable as we scale, so we can build Monzo into a sustainable business that’s around for years to come.

Read on for the full story…

When I was in college I would more than often scoff at the notion of the idea of company culture.

All those missions, visions and values sounded a lot of kumbaya thinking. Don’t get me wrong. I would think that they had their worth (on some organizations) but overall I always believed that these things were a reflection of a competitive advantage that a company had and that enabled them to care about culture. In short words, if the company was booming in profits it was ok to worry about these things; if not, what a waste of priorities.


Jeff Bezos on his 2016 letter to shareholders shared an advice to settle some disputes of Amazon on decision making.

“Third, use the phrase “disagree and commit.” This phrase will save a lot of time. If you have conviction on a particular direction even though there’s no consensus, it’s helpful to say, “Look, I know we disagree on this but will you gamble with me on it? Disagree and commit?” By the time you’re at this point, no one can know the answer for sure, and you’ll probably get a quick yes.

This isn’t one way. If you’re the boss…

On Saturday, 16th of January an article from the Guardian really caught my eye throughout my weekend readings.

Basically London tube is facing a peculiar problem (good problem?): the number of users is getting bigger and bigger by the year. Predictions point that London will have around 10 Million inhabitants by 2030 (1.06% CAGR) which makes London the fastest growing city in Europe. London Infrastructure Plan 2050 estimate that with that current growth and the tube’s growing “market share” could make demand spike an astonishing 60%!

According to the article there are currently 4.4 million people using the tube everyday…


I enjoy solving problems in a fast, impactful and measurable way.

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