I would argue that using a third party that specialises in security is better than remaking the wheel yourself.
Cloudflare invest a significant amount in the security of their platform and have a lot of talented engineers that focus solely on that. They have a lot more data to play around with and I would expect they can do a better job at security than Monzo alone, with their own infrastructure, with their own engineers. Note that Cloudflare is PCI compliant (https://support.cloudflare.com/hc/en-us/articles/202249734-C...)
Not sure I understand the hype of remaking the wheel, when specialist services exist that probably do the work better, more safely and cheaper.
Comments
"through any third party"
I would argue that using a third party that specialises in security is better than remaking the wheel yourself.
Cloudflare invest a significant amount in the security of their platform and have a lot of talented engineers that focus solely on that. They have a lot more data to play around with and I would expect they can do a better job at security than Monzo alone, with their own infrastructure, with their own engineers. Note that Cloudflare is PCI compliant (https://support.cloudflare.com/hc/en-us/articles/202249734-C...)
Not sure I understand the hype of remaking the wheel, when specialist services exist that probably do the work better, more safely and cheaper.