Vuokko Aro, Chief Design Officer at Monzo, and Tim Chong, Co-founder and CEO of Yonder, discuss the evolving landscape of customer loyalty in fintech. They explore how emotional connections and referrals drive user advocacy, particularly among younger generations. The conversation highlights the shift from traditional banks' cash bonuses to fintech's focus on meaningful engagement and personalized experiences. Aro and Chong emphasize the need for genuine relationships and tailored strategies to build lasting loyalty in an increasingly competitive market.