I live close to one of the tributaries that is significantly affected by the sewage issues in London at the moment, not far from the Three Mills area. I've looked at flats around there and they are a good 15-20% cheaper than I'd expect... with the main caveat being that much of the area kinda smells. I would expect many of them to increase in value once Tideway comes online and that area smells less.
I also walk along the Jubilee Greenway in East London quite a lot, and much of that is built on top of the old above-ground sewer pipes that lead down to the old Bazalgette sewage pumping station in Abbey Mills. Hopefully once those pipes are decommissioned the Jubilee Greenway should be much nicer to walk along!
For me, having no physical branches has been ace. When I was with barclays, I could call them up, spend 45 minutes on the phone to someone, only to be told I have to go to a branch to get a statement (or something stupid like that). I'd then walk to a branch, stand in line for 20 minutes, to be told they can't do that at that branch and I'd have to ring up some other number. That sort of thing happened regularly enough (probably twice in my last year) to make me lose trust in the competance of the people I was speaking to.
Monzo having 1 point of contact means they can't push you off onto someone else/a branch/a different phone number etc. And every time I've used the help chat on there I've had me issues resolved rapidly.
When I was in mexico, a restaurants card machine said a payment didn't go through, but my monzo app said it did. So i kept the receipt and did the transaction again. This time their card machine said it worked. I kept the receipt for a week in case the £60 showed back up in my account but it didn't. Within 2 minutes on the chat with monzo, £60 was just put back into my account. No fuss. I guarantee you couldn't pick up a phone/go to a branch with a standard bank and get the money back that quickly
