The snakes and ladders of creating safe, fast and delightful payments

Monzo has both its own payment network for instant payments and is part of the payment network all UK banks use. Creating a payment experience that protects people, gets out of their way when they need and brings excitement where appropriate is a difficult but worthy adventure. Especially for a regulated bank with 8 million customers in the UK (and rapidly growing).

This talk is for you if you want to hear about the realities of innovating in a regulated fintech, the ups, the downs and the unforeseen moments of dread and joy. How to keep sane through the rollercoaster of product strategy and development — while remaining focused on the bigger picture. A story that concludes with the most accessible, safe, intelligent, and fun payment experience in the Monzo app.