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Or as I call it "death by a thousand microcuts".

I always wonder why some (most) banks are proud of being reckless.. oh well, it keeps me well paid.

Also, Monzo decided to remove the "dark mode" option back-in-the-day. When I wrote to them about it "please return it as optional - as it already was" they responded with a polite "nope, suck it up". My next message to them was to close my account. Well.. "nope, suck it up" back right at you.

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If you see micro-services as (a domain boundary + an atomic infrastructural unit), maybe the latter is debatable but the application domain do need 2800 boundaries anyway? Especially for such a large company, especially for a company operating in financial services.

I'm 'old-school' where sometimes (and in some industries where regulations/audits will ride you HARD) it is better to have a 'core banking system' (with all its pros and cons) instead of 2800 microservices. Good luck auditing that! (and since Monzo is a bank they either got 1000 internal auditors doing IT audits, or they are faking everything they do - and I won't get to the discussion of their external auditors).

Anyway, since I don't like them, one may say that I'm negatively biased, but still, how does their Audit Universe look like?

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