A Bank Built Its Own Coding Agent. It Took Off — Felipe Felisola Caso & Francesco Galletta, Monzo
Monzo's internal AI coding agent now generates over 10% of all merged PRs company-wide
“Agent Ship generates over 10% of all merged PR in the technology department.”
Monzo, a UK digital bank managing 3,000+ backend services, built an internal Slack-native coding agent called Agent Chip that went viral internally and scaled to completing 1,800 tasks per day. The agent now generates over 10% of all merged pull requests across engineering, data, and ML teams, and is expanding to business users for query writing and analysis. This is a notable enterprise adoption signal: a regulated financial institution achieving meaningful autonomous code contribution at scale with a home-built agent.