Monzo is not "an app". It's a bank that can only be accessed through an app. Monzo is an actual bank that provides actual bank accounts. I think it's importan

Monzo is not "an app". It's a bank that can only be accessed through an app. Monzo is an actual bank that provides actual bank accounts. I think it's important to call it what it is instead of using buzzwords like "app-only fintech startup scaling its's machine learning capabilities" (bingo!).