> Monzo Stand-in is an independent set of systems that run on Google Cloud Platform (GCP)

Given the US Cloud Act, how Monzo is protecting customers' financial data from being accessed by foreign government without Monzo's knowledge?

Everyone does it, does not excuse it.

Also shows lack of faith in British business.

Which British businesses provide this sort of infrastructure?

I ask this as a Brit who ran stuff on a few UK providers, and ultimately moved to a cloud platform because of the combination of terrible service and lack of features. The landscape may have changed, but in my experience it was bleak circa 2020.