In January 2020, Anil had joined Monzo to lead its expansion into the US. The plan was to leverage his experience working in traditional retail banking to plant a flag in a complicated market. At the time, Monzo was on a high: in June 2019, it was the UK’s second-most valuable fintech firm with a valuation of £2 billion, behind only OakNorth. (Both were eclipsed by Revolut’s £4.5bn valuation in February 2020.)

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