Of the original five Monzo founders, only Jonas Templestein remains. And as the new guard is ushered in, the challenge will be to keep the culture of the bank, which propelled it from a niche startup to a five million-strong customer base in just over six years. Culture is the biggest thing Anil obsesses over. “In my first few days I had to figure out, ‘Okay, so now Tom"s not here, what has left the building with him?’” he says.

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