Re: Banking isn't really a highly computational process
Though Monzo will be at the very end of that chain as not a terminal provider, merchant acquirer etc
From the other end as a POS Solution provider I do agree that real-time payment auth is essential though.
Also a Monzo customer and the App is very fresh compared to my HSBC primary account ... yes ‘monolith’... you frustratingly need to revert to Internet Banking go do loads of stuff. HSBC PITA.