Dozens for Credit Unions

From the Monzo community, this is a pretty good idea:

Project Imagine would need to secure investment first, but PI1 powering credit unions seems pretty much on brand but also a good commercial opportunity.

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In my limited experience, credit unions are great in theory, but terrible in practice. Think local government levels of futility and ineptitude. So why would dozens want to engage with them? Plus, dozens has said it doesn’t want to do loans, and that’s more or less what the credit unions are all about…

They offer current accounts as well (via engage) - so could replace the incumbent here ?