The AI Record
Forward into today, … authors over 10% of all merge PRs across tech. So, that's data, machine learning, that's a back … app, et cetera. Also runs more than 1,800 tasks per day, which is a lot. And it's been actively starting to be adopted by business users as well. So, it's not just coding and tech. It's also trying to answer business questions, writing queries or self-serving anything that a business user may need.

Francesco GallettaLeads analytics engineering for financial crime; co-leads AI strategy for the data discipline, Monzo · Leader, Monzo

Context. Galletta is describing Monzo's in-house agent, Agent Chip, at the time of the talk. 'Merge PRs' is as spoken in both passes.

Talk: A Bank Built Its Own Coding Agent. It Took Off (talk, AI Engineer), AI Engineer (conference organizer) YouTube channel, October 20, 2026, at 2:55.

  • 10% agent pr share, all merged PRs across tech (data, machine learning, backend, app), as stated in the 2026-10 talk. Level not stated
  • 1,800 function agent volume, per day, as stated in the 2026-10 talk. Level not stated

Checked against the source [ Grade B ] Said in the last year Monzo: £1.7 billion revenue, FY2026 (year to 2026-03-31)

Filed under

Who is speaking

Francesco Galletta, Leads analytics engineering for financial crime; co-leads AI strategy for the data discipline, Monzo. Speaks about Monzo's own in-house agent from inside the bank; first-hand, and a conference talk by the employer's own staff, so promotional by nature.

How this was checked

Checked against the source by a first reader, then confirmed independently by a second reader who fetched the source without seeing the first reader's notes (Independent review agent (Claude Sonnet), blind second pass from passage text and citation only, no repository access, 2026-11-06).

All three segments match the whisper transcript (the first starts near srt line 239) once punctuation is ignored. The '…' marks cover omitted words. No captions.md was available to cross-check.

How to cite this passage

Francesco Galletta (Monzo), “A Bank Built Its Own Coding Agent. It Took Off (talk, AI Engineer)”, AI Engineer (conference organizer) YouTube channel, 2026-10-20, at 2:55. https://www.youtube.com/watch?v=adfw3xJBx1o Archived at https://the-ai-record.com/passages/monzo-forward-into-today-authors-over-10-all-merge-prs-across-tech-2026

More from the same source

This is agent chip working in incident mode and leveraging the MCP to get very relevant data. So, what happens here is whenever we identify and trigger a new incident, agent chip joins the channel and is able to start an investigation, understanding logs, understanding traces, being able to connect to that exact service. And of course, the code … to see what's going on and to help the human with a very high signal. We don't want the agent to be saying a lot of things during an incident … We wanted to maintain high signal and we give the humans also control of how much agent chip will be able to support there.

Felippe Felisola CasoMonzo (conference affiliation, 2026) · Practitioner, Monzo

Context. Felisola Caso is describing how Monzo's in-house agent, Agent Chip, takes part in incident response.

Talk: A Bank Built Its Own Coding Agent. It Took Off (talk, AI Engineer), AI Engineer (conference organizer) YouTube channel, October 20, 2026, at 10:00.

Checked against the source [ Grade B ] Said in the last year Monzo: £1.7 billion revenue, FY2026 (year to 2026-03-31) Passage page

So again, all of these are examples of how our technology team is using it, but even better than that, we've observed a lower barrier for non-specialists in the company to contribute to our systems. … Just call agent chip, get a draft that works that is already tested in staging and then and only then involve an engineer to make sure we get the changes reviewed and deployed properly. So this doesn't change the rigor to which we develop software at Monzo, but this does allow a number of non-specialists to also start contributing more closely to the team.

Felippe Felisola CasoMonzo (conference affiliation, 2026) · Practitioner, Monzo

Context. Felisola Caso is describing how people outside engineering use Monzo's in-house agent, Agent Chip, in Slack.

Talk: A Bank Built Its Own Coding Agent. It Took Off (talk, AI Engineer), AI Engineer (conference organizer) YouTube channel, October 20, 2026, at 12:07.

Checked against the source [ Grade B ] Said in the last year Monzo: £1.7 billion revenue, FY2026 (year to 2026-03-31) Passage page

Our platform is provider agnostic by definition. So if we come back to the diagram, the little blue … green agent box there can be very easily swapped for any model. We can dynamically choose which model best fits the purposes that we have. So we are not specifically tied to any provider by definition

Felippe Felisola CasoMonzo (conference affiliation, 2026) · Practitioner, Monzo

Context. Felisola Caso is explaining why Monzo expects to keep its in-house agent platform as models change.

Talk: A Bank Built Its Own Coding Agent. It Took Off (talk, AI Engineer), AI Engineer (conference organizer) YouTube channel, October 20, 2026, at 13:46.

Checked against the source [ Grade B ] Said in the last year Monzo: £1.7 billion revenue, FY2026 (year to 2026-03-31) Passage page

You can give it any prompt directly by just reacting with the little emoji to the message and it will pick it up as prompt. So, that evolved … and that became an always available teammate inside our Slack and whole environment.

Francesco GallettaLeads analytics engineering for financial crime; co-leads AI strategy for the data discipline, Monzo · Leader, Monzo

Context. Galletta is describing how Monzo's in-house agent (Agent Chip) began as a Slack emoji reaction after it spread inside the company in January 2026.

Talk: A Bank Built Its Own Coding Agent. It Took Off (talk, AI Engineer), AI Engineer (conference organizer) YouTube channel, October 20, 2026, at 1:57.

Checked against the source [ Grade B ] Said in the last year Monzo: £1.7 billion revenue, FY2026 (year to 2026-03-31) Passage page

Something that we're doing very recently that's been creating a lot of value is also triaging data quality alerts and checking for backend changes that can create problems.

Felippe Felisola CasoMonzo (conference affiliation, 2026) · Practitioner, Monzo

Context. Felisola Caso is describing a recent use of Monzo's in-house agent, Agent Chip.

Talk: A Bank Built Its Own Coding Agent. It Took Off (talk, AI Engineer), AI Engineer (conference organizer) YouTube channel, October 20, 2026, at 11:26.

Checked against the source [ Grade B ] Said in the last year Monzo: £1.7 billion revenue, FY2026 (year to 2026-03-31) Passage page

Again, we are a bank. We live in a regulated environment. So, we want to make sure that the non-determinism from the agents is controlled. But at the same time, we want to have an environment where we can let it run loose and develop.

Felippe Felisola CasoMonzo (conference affiliation, 2026) · Practitioner, Monzo

Context. Felisola Caso is explaining why Monzo's agents run in a sandbox in an isolated namespace, separate from production infrastructure.

Talk: A Bank Built Its Own Coding Agent. It Took Off (talk, AI Engineer), AI Engineer (conference organizer) YouTube channel, October 20, 2026, at 6:50.

Checked against the source [ Grade B ] Said in the last year Monzo: £1.7 billion revenue, FY2026 (year to 2026-03-31) Passage page

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