Good old Monzo times.
Sadly, in my opinion the company took on too much investment and was now bound to deliver tech-company returns with a product that fundamentally isn't compatible with them. This led them to become yet another bullshit "growth & engagement" operation and ultimately killed the appeal of the product, all while competitors such as Starling Bank stepped up their game and delivered a very similar product that is not only profitable but doesn't have those "growth & engagement" vibes because they didn't have the same pressure and could afford to take things slow.