Clém Salaün

CTO and co-founder of Formance, focused on building programmable core ledgers for fintechs and discussing technical considerations for financial products.

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Mar 23, 2026 • 57min

1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?

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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