What was it about you that was disruptive though?

I want some specifics.

Whenever I see a problem, I think that this is in common with anyone who starts a business.

I look at the way something's done and immediately start thinking of better ways to do it.

Rather than just doing what I'm told, I sort of scratch my head and think, no, this doesn't

make sense to me why are we doing it.

This way that we could do it in other way, which is 10 times faster.

One of my first ever jobs was to, with another analyst go and count all of the jewelry

items on a massive jewelry website.

There must be a thousand to do a tally chart of the price range.

This guy started doing the buy hand.

So I scratched my head and wrote a little Excel script to basically scrape the website

and just tally them up and go, there's your results.

But they didn't want that because they were building by the hour and that had only taken

an hour of my time rather than 20 hours and so they could only bill me out for an hour.

No, no, no, no, go back and do it by hand.

That kind of stuff just drove me crazy and I was always just looking for ways to automate,

ways to do things better.

I guess that's what led me into entrepreneurship.

What gave you the conviction and the confidence that you could take on such a mammoth industry

with Monzo?

I mean, arrogance, for naivety and arrogance, I think in no small part.

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