Monzo uses BigQuery and Vertex AI to train ML models for fraud protection
Monzo, a UK digital bank, built a Google Cloud-based data analytics hub to support growth, customer insights, and fraud protection. The bank stores and models terabytes of data in BigQuery, uses Looker for rapid access to analysis, and trains ML models with Vertex AI on support/help article datasets to improve fraud protection and other predictive use cases. Monzo also runs an online 24/7 disaster recovery capability on Google Cloud that can take over within seconds, and uses the environment as a testbed for Google Kubernetes Engine.
- Organization
- Monzo
- Industry
- Finance
- Location
- United Kingdom
- Published
- May 2026
Reported outcomes
Strategic outcomes
Primary read
Use case focus
Showing 3 of 4
- 1Fraud Detection
- 2Data Analytics
- 3Predictive Analytics
- Build a data analytics hub that can provide timely insights across large datasets.
- Protect customer payments from fraudsters while supporting customer-centric product development.
- Maintain continuously available disaster recovery for critical banking services.
- Stored and modeled terabytes of data in BigQuery.
- Used Looker on top of BigQuery to access, analyze, and act on up-to-date multi-terabyte datasets in minutes.
- Trained ML models with Vertex AI using support/help article datasets to improve fraud protection and to experiment with lending, forecasting, and customer-experience predictions.
- Built a continuously synced 24/7 disaster recovery capability on Google Cloud and used it as a testbed for Google Kubernetes Engine.
- Access to multiple terabyte datasets in minutes for analysis and action.
- Online 24/7 disaster recovery capability ready to take over within seconds.
- Nearly 19 petabytes of data in BigQuery and more than 2,000 data models across the BigQuery estate.
Architecture
Monzo uses BigQuery as its enterprise data warehouse, Looker for analytics on top of BigQuery, Vertex AI for ML model training, and Google Kubernetes Engine in a continuously synced disaster-recovery/testbed environment on Google Cloud.
Sources & evidence1
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