How community-led distribution, primary-account engagement, deposits, lending and subscriptions turned Monzo into a profitable UK digital bank.
Finance · Topic
United Kingdom Finance & Fintech — Page 5
Research on the United Kingdom’s financial system, regulators, payment rails, open banking and leading fintech companies.
- 52 guides
- Updated Jul 25, 2026
All guides · page 5
Wise: How Transparent Pricing Rewired Cross-Border Payments
How a founder workaround became global cross-border infrastructure serving 19 million active customers—and why Wise is not a UK bank.
Starling Bank: From Mobile Challenger to Banking Software Exporter
How Starling combined deposit-funded banking with a strong SME franchise and then exported its technology through Engine by Starling.
How the UK Financial System Actually Works
A practical map of how the Bank of England, regulators, banks, markets, payment rails and fintech firms fit together in the United Kingdom.