Fintech Insider Podcast by 11:FS 1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?
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Mar 23, 2026 Merusha Naidu, payments partnerships lead at Paymentology, Clém Salaün, CTO and co-founder of Formance, and Helen Bierton, Lloyds’ Chief Digital Officer, discuss Robinhood’s Family Hub and parental controls. They examine Ireland’s new phone-number P2P service from big banks. They also debate Monzo’s ‘Year in Monzo’ tone and the tech, permissions, and trust issues behind personalized financial products.
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Family Hub Aims To Lock In Generational Customers
- Robinhood's Family Hub targets managing money across generations to teach financial habits and keep wealth within a provider.
- Panelists noted benefits for education, gifting investments, and deeper customer relationships but warned about complex permissioning and regulatory needs.
Design Permissioning Before You Launch Family Finance
- Build clear permissioning and audit trails when managing others' money to avoid regulatory and operational risk.
- Clém Salaün emphasised fine-grained authorization, dissociating beneficiary from decision-maker and visible auditability.
Incumbents Use P2P To Raise The UX Bar And Compete
- Ireland's big three banks launched a P2P phone-number payments service to match fintech convenience and raise the domestic UX bar.
- Panel discussed ecosystem effects: interoperability, incumbents collaborating, and precedent like Zelle's rise over Venmo.