I'm 'old-school' where sometimes (and in some industries where regulations/audits will ride you HARD) it is better to have a 'core banking system' (with all its pros and cons) instead of 2800 microservices. Good luck auditing that! (and since Monzo is a bank they either got 1000 internal auditors doing IT audits, or they are faking everything they do - and I won't get to the discussion of their external auditors).

Anyway, since I don't like them, one may say that I'm negatively biased, but still, how does their Audit Universe look like?