
Episode #12
Ep #12: James Storer (Monzo): Fake Banks, Real Learning, and Being Monzo's Biggest Token Burner
Tom and Jonny sit down with James Storer, who leads design in Monzo's AI and personalisation collective and is the biggest token burner in the whole company. They dig into the fake Monzo his team built to prototype with, why he stepped off the leadership track to get back in the tools, and what he went to Config to ask Figma. CHAPTERS 00:00 Introducing James Storer 02:12 Why go back to doing the work after leading teams 10:13 The founder's fight: ship it, or make it better 14:47 Being a loud mouth turned out to be the skill 18:35 AI lowers the floor, so who raises the ceiling 25:30 Everyone an expert in everything, or still not enough hours 28:01 Building hardware when you can't solder 30:07 Should there be an app store with one user 33:43 Is the value the software, or making it with your kid 36:08 The UNO clone his six-year-old wanted to explode 40:01 A 69-year-old vicar and the church website 41:31 The messy middle: AI inside a regulated bank 43:44 A fake Monzo with fake money 49:36 Handoff should be a handshake 54:16 "What will you do to make me open you every day?" 60:39 Quickfire 68:31 Wrap PEOPLE James Storer β Design Lead, AI & Personalisation, Monzo https://www.linkedin.com/in/jamesstorer/ Avi Ashkenazi, Deel β previous Near Future guest, on raising the floor and the ceiling https://www.linkedin.com/in/aviashkenazi/ Jake Knapp β author of Sprint β https://www.jakeknapp.com Simon from Morse β spoke alongside James at Mostly Working https://www.linkedin.com/in/simon-amor/ COMPANIES Monzo β https://monzo.com Deliveroo β https://deliveroo.co.uk Freetrade β https://freetrade.io Habito β https://www.habito.com Klarna β https://www.klarna.com Twist β James's design agency Jitty β the house-buying startup James co-founded TOOLS AND PRODUCTS MENTIONED Cursor β https://cursor.com Claude Code β https://claude.com/product/claude-code ChatGPT β https://chatgpt.com Figma β https://figma.com Figma Make, Figma Weave, code layers β announced at Config FigJam β https://figma.com/figjam Lovable β https://lovable.dev Stitch β https://stitch.withgoogle.com NotebookLM β https://notebooklm.google.com Notion β https://notion.com Linear β https://linear.app Abstract β version control for Sketch files Sketch β https://sketch.com Three.js β https://threejs.org React Native β https://reactnative.dev Nano Banana β Google's image model, via Gemini Hex β open-source dictation app Wispr Flow β https://wisprflow.ai Wabi β personal app builder for iPhone MeatLayer β agents paying humans for real-world tasks β https://meatlayer.ai M5Stack β small dev boards β https://m5stack.com Lumi / ROLI β light-up keyboards, now open sourced β https://roli.com BigQuery β https://cloud.google.com/bigquery ALSO REFERENCED Config 2026 β Figma's conference β https://config.figma.com Mostly Working β Tom's design and AI meetup in London https://luma.com/mostly-working Sprint, by Jake Knapp, John Zeratsky and Braden Kowitz UNO β the card game James and his son cloned as "Duo" NEAR FUTURE Podcast β https://nearfuture.works/podcast Get in touch β podcast@nearfuture.works

