Monzo are brilliant. Prior to the existence of their mobile app, I used cash wherever possible because it didn't require an extra budgeting step (10 quid in my

Monzo are brilliant. Prior to the existence of their mobile app, I used cash wherever possible because it didn't require an extra budgeting step (10 quid in my wallet = 10 quid left for today, with a debit card I'd have to write things down or wait ages for online banking to load whenever I did a thing). Because their app actually updates in real time and doesn't require 50 levels of nonsense 'authentication', I don't need to do that any more. I do worry about privacy. I'd prefer to have an anonymous digital payment method. We need to step up UX to get to this level of simplicity.