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I don't think Monzo had to adopt k8s to survive. It's an infrastructure technology not something which provides a unique advantage from an app. development perspective.

Also k8s is far from only used in tech companies. the UK home office (not exactly a startup) were giving talks about their use of k8s in 2016 https://www.phpconference.co.uk/videos/2016/kubernetes-home-...

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