They are a tech company first, financial one second. They made a decision very early on to build everything from scratch in the "right" way, pretty much no matt

They are a tech company first, financial one second. They made a decision very early on to build everything from scratch in the "right" way, pretty much no matter how long it would take or how much effort would be involved. Their systems are incredibly stable. In fact, I don't think I can recall a single bit of downtime which was actually down to their system since November 2015 when I joined. In the case which happened here, some kind of unexpected migration gone wrong - Monzo's systems are highly decoupled and separated. So any given database issue will only affect that given service. As each service is so simple and contains relatively little code, working towards a resolution can be achieved significantly faster. The smaller scope of responsibility also means that a mistake is less likely to happen in the first place.