How Do Monzo Build Product Today: What Works, What Does Not

20Product

Jul 25, 2025

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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. 

In Today's Episode We Discuss:
  • Why do most products suck—and what separates the great ones?

  • Should we kill the PM role entirely? Fernando says maybe.

  • Is Monzo’s obsession with trust more powerful than speed?

  • What’s the #1 reason internal tools will never replace SaaS?

  • Will AI wipe out the need for designers and PMs?

  • Is it arrogant for product teams to protect users from “bad” choices?

  • What’s the future of product when OpenAI controls the whole stack?

  • What Monzo product blew up—and why no one saw it coming?

  • Can a bank built on principles really become a $100B company?



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