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Monzo has built a bank for 3.5 million customers, and it's growing fast, primarily by leveraging open-source cloud-native technology. From working with banking regulators to providing scalable, secure infrastructure primitives, AWS was an obvious choice for Monzo's foundation. In this talk, Monzo engineers Chris Evans and Suhail Patel explain how services such as Amazon EC2, Amazon S3, AWS IAM, Amazon GuardDuty, and AWS Shield enable processing payments under tight latency and reliability tolerances. They also share what it takes to run Monzo's own minimal physical infrastructure and how they have linked it to AWS Direct Connect to securely and reliably transmit payments