20Product: Should We Kill the PM Role Entirely | How Does Product Design Change Most in a World of AI | How Do Monzo Build Product Today: What Works, What Does Not | Why Most Product Sucks and What Makes Truly Great Product

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The Twenty Minute VC

Finance, Venturecapital, Tech News, News, Siliconvalley, Technology, Investing, Startups, Business

4.4 • 637 Ratings

🗓️ 25 July 2025

⏱️ 67 minutes

🔗️ Recording | iTunes | RSS

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Summary

Fernando Fanton is one of the most respected product leaders in Europe, having held Chief Product Officer roles at Monzo and Just Eat. He previously led product and tech at Rappi, one of Latin America's most valuable startups. Today, Fernando is the CPO @ Property Finder; one of the biggest breakout unicorns from MENA.

Agenda:

00:00 – Is “having a vision” actually killing great product teams?

03:15 – Why do most products suck—and what separates the great ones?

07:20 – Should we kill the PM role entirely? Fernando says maybe.

11:45 – Is Monzo’s obsession with trust more powerful than speed?

16:10 – What’s the #1 reason internal tools will never replace SaaS?

21:00 – Will AI wipe out the need for designers and PMs?

26:30 – Is it arrogant for product teams to protect users from “bad” choices?

32:15 – What’s the future of product when OpenAI controls the whole stack?

37:40 – What Monzo product blew up—and why no one saw it coming?

42:55 – Can a bank built on principles really become a $100B company?

Transcript

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0:00.0	You are listening to 20 Product with me, Harry Stebbings. Now, 20 Product is the monthly show where we sit down with the best CPOs in the world to discuss how they build freaking amazing products and product teams.
0:10.9	Today, we have one of the most respected product leaders in Europe joining us, Fernando Fanton.
0:16.0	He's held role of CPO at both Monzo and Just Eat, two of the biggest from Europe.
0:20.6	He previously led product in tech at Rapp Eat, two of the biggest from Europe. He previously led
0:21.7	product in tech at Rappi, one of Latin America's most valuable startups. And today, Fernando's
0:26.9	CPO at Property Finder, one of the biggest breakout unicorns from the MENA region. But before we
0:31.8	dive into the show today, are you struggling to beat model benchmarks or implement Gen A.I. In your
0:37.3	product? If so, you need Turing.
0:39.7	Turing is an AGI infrastructure company, backed by incredible investors like Foundation Capital
0:45.4	and Westbridge Capital. And they do two things. Number one, they help leading companies in AI
0:50.7	labs, like Salesforce, Anthropic and Meta, enhance their LLMs with advanced
0:55.9	reasoning, coding, multilinguality, multi-modality and more.
1:00.6	Number two, they combine human and artificial intelligence expertise to deploy cutting-edge
1:05.9	AI systems for awesome companies like Rivian and Reddit.
1:10.0	Right now, Turing offers a free, five-minute self-assessment
1:13.6	to help you pinpoint your place in the Gen A.I.
1:16.6	Journey, get tailored next steps to optimize your model strategy,
1:20.6	and then finally learn how Turing can refine and implement your models for better performance.
1:25.6	Take the guesswork out of Gen A.I. Visit Turing.com
1:29.4	forward slash 20VC to start your free assessment today. And once your Gen AI strategy is on
1:36.1	point with Turing, now let's talk about making your product do exactly what you want it to.
1:41.0	Whether it's the software you build or the software you buy, your tech stack should be creating
	...

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