I wonder who the initial sponsorship bank is. I imagine any very large bank is going to see the kinds of differentiators that Monzo is offering (whatever they w

I wonder who the initial sponsorship bank is. I imagine any very large bank is going to see the kinds of differentiators that Monzo is offering (whatever they will be) as things they should just clone, rather than grow a partnership with a competitor over, but I really have no idea how this industry works. Anyone have insight from the peanut gallery?