You also have a significant advantage over other banks in that your customers can easily and securely communicate with you over text (I once tried to send a secure message to my "other bank" and gave up after ten minutes on their site.)

This is great for me as a customer, but I suspect it creates for you a greater per customer text volume to comb through than most other banks.

Anyway, looks like this might become a sale - hope it goes well for both sides.

(A very satisfied Monzo customer)