AI Tools in Regulated Banking: Monzo's Control Model

This talk was given at the Background Agents Summit, hosted by Ona.

Monzo’s AI tooling strategy starts with controls, golden paths, and thousands of microservices in one opinionated monorepo. I covered the static analysis, service patterns, and governance choices that make AI adoption safer inside a regulated bank — and how we can give engineers powerful AI-assisted workflows without losing monorepo control.


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