Case Study: Monzo achieves rapid, secure mobile account onboarding and higher conversions with Jumio

How Monzo Bank is challenging high-street banks with a fast, customercentric approach to online account onboarding and identity verification

Monzo is a fast‑growing challenger bank that puts customers at the center of its mobile-first experience. As it scaled (more than 700,000 customers and rapid year‑over‑year growth), Monzo needed an identity‑verification solution that was fast, accurate, GDPR/KYC/AML‑compliant, reduced manual reviews and abandonment during account setup, and could scale across new geographies like Ireland and the US.

Monzo partnered with Jumio to build a carefully tested, mobile‑first onboarding flow (photo ID plus a quick selfie video), clear in‑app guidance and follow‑up reminders for abandoned signups. The result was a smooth, secure experience rolled out on time and on budget—with 80% of verifications completed within 150 seconds and 95% within 270 seconds—delivering higher conversions, fewer manual reviews and a scalable solution for future growth.

Monzo

Tristan Thomas

Head of Marketing and Community