Banks are, in short, the opposite of a tech startup. So a tech startup wanting to take on the banks on their own turf has its work cut out for it. But that’s the goal of London-based firm Monzo. The company doesn’t just want to become a new bank, though. It wants to become the Facebook of banking, with a billion users worldwide, bypassing much of the traditional banking infrastructure in the process to become something the world has never seen.