With a mono camera and filters you get the actual R, G and B value for every pixel position. With a one shot colour camera you get just one of R, G or B for every pixel position and then the missing values are interpolated from neighbouring pixels. Interpolation is basically a best guess. It will give you something that looks OK, but it won't be as good as the result of the mono process. It can't be... two thirds of the data is being "thrown away."
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