Why Mondo will blow Atom Bank out of the water

So I guess the message is that because Mondo own the stack, they can integrate with 3rd parties eg TFL for missed checkout alerts. IMHO the real innovation will come when they can automate cash management. For instance, if I have a cash surplus, Mondo should search the market for the best short term deposit rate, and execute the transaction on my behalf. And the converse for an overdraft!