1. Common way to meet or exceed quota invites high-risk behaviour which can only lead to not being fully compliant. You do get some genuinely good compliant sales people, but are a minority. Vulnerable customers who can’t access their funds are often left ignored
2. Constant tech issues everyday which impacts performance - customers can’t even do the basic function of logging in for days and weeks which leads to losing customers, and you end up taking the blame for
3. There’s no doubt Revolut is growing fast, however, there’s a reason their UK banking license hasn’t been issued yet