Global acceptance of a cashless society is rising, but unevenly. Sweden is set to become entirely cashless by 2030 and 

 users already think carrying cash isn’t necessary. But while contactless payments in the UK 

 in the first half of 2017 alone, just a third of Britons want to see the shift into a cashless society. And though Germans are widely amenable to digital spending, 

 about the security of these transactions. Meanwhile, shoppers in Japan are stubbornly 

, with cash accounting for 80% of retail payments.

Beyond national divides, the move towards a cashless economy is impacting demographics disproportionately. In the US, 

 rely on cash for the majority of their purchases, compared to 15% of white Americans. Lower-income households are also likely to be closed out, with just 18% of people earning less than $30,000 a year choosing to go cashless. And with Gen Xers and Yers making up 

, Boomers and Seniors may be getting left out of the conversation, especially since they’re 

 are helping unbanked users spend and earn digitally, which is great news for markets with high digital penetration – but there’s growing concern about what will happen to those who have little to no access to mobile devices. British magazine 

 with some of its homeless vendors in the hope of keeping donations up as fewer people carry cash in their pockets.

All over the world, countries are moving toward becoming cashless. While this does have its benefits – particularly for ostracised communities – it also creates issues for those people who rely mainly on cash and places a high level of power with large financial institutions.

How a cashless society could leave some behind

Rapidly shifting market forces have made China the largest and most sophisticated digital (and notably mobile) payment market in the world. In turn, these forces are also changing consumer behaviour and pushing the country’s consumers towards a society that no longer uses cash.

Will China be the world’s first cashless society?

Half of retired women in the US have found retirement pricier than expected, with research revealing that women are not confident in their ability to retire comfortably. As people navigate financial uncertainty, these findings show how gendered disparities can worsen if not proactively addressed.

Women retirees face pricier retirement than expected

New York-based nail studio Chillhouse has partnered with Cash App to introduce a payments-via-chip technology embedded in nail extensions. As people seek financial hacks and frictionless shopping, brands can play a pivotal role in ensuring the privacy and security of customers remain uncompromised.

Chillhouse and Cash App roll out nail chip payments

TikTok celebrity and 'hawk tuah girl' Haliey Welch launched Hawkcoin amid a wave of memecoins. The cryptocurrency launch received lots of hype but quickly failed, with Welch now facing accusations of exploitation – but her story reflects a growing acceptance of self-monetization online.

Viral 'hawk tuah' girl faces backlash from crypto-fail

The Commonwealth Bank, Australia’s largest bank, announced a new withdrawal charge of $3 that's supposedly taking effect in January 2025. The move garnered ire from Aussies and the government, highlighting the widening chasm between people and institutions amid the cost of living crisis.

CommBank charging fee draws criticism from Aussies 

A recent study links rising income inequality to online dating, where users increasingly select partners within their socioeconomic strata. Financial compatibility has become a key priority for daters, reflecting how love and money are now more intertwined in shaping modern relationship dynamics.

Study finds online dating is deepening income inequality

How are Gen Yers reinventing middle age? What do they want from role models and celebrities as their lives evolve? How are they approaching finances in inventive and resilient ways, and what tools are they reaching for to build stronger communities?

2024-2025 Generational Snapshot of Gen Y

Online sports gambling is an increasingly popular topic of discussion among Brazilian personal finance influencers – as well as a growing cause for concern and controversy. There’s an opportunity for brands to inform their audiences of potential risks and promote responsible behaviours.

Brazilian financial influencers wary of sports betting 

Research shows that financial pressures and growing environmental awareness are reshaping chocolate buying behaviors. As some Americans choose to buy in smaller quantities and increasingly value sustainability, there is an opportunity for brands to tap into these shifting values.

Inflation impacts Americans' chocolate choices

Launched amid growing consumer skepticism of financial institutions, Pine is an AI assistant that automatically negotiates bills and disputes unfair charges. As credit card debt soars and subscription fatigue grows, the tool addresses mounting concerns about corporate pricing practices.

AI assistant fights unfair subscriptions

When French-founded firm Duralex faced bankruptcy, its employees stepped in, forming a cooperative to modernise the brand while preserving its world-renowned heritage. This decision reflects a rising collectivist spirit, reshaping trust and resilience amid global instability.

Duralex employees unite to save company and its heritage

Mobile operator O2 has introduced Daisy, an 'AI-powered grandma' designed to outwit phone fraudsters by engaging them in time-wasting conversations about the likes of knitting and family stories. With phone scams pervasive in Britain, Daisy is O2's approach to beating scammers at their own game.

O2 launches an 'AI grandma' amid phone fraud fears

According to Booking.com, travel scams have surged 900% over the past 18 months, partly fuelled by AI. With urgency-driven tactics luring victims into fraud, Australians’ tech scepticism may erode trust in online booking platforms and prompt a shift toward slower, more secure payment systems.

Travel scams fuel distrust of purchase pressures online

Young Democrats distressed by Donald Trump's re-election have turned to ‘doom spending’ as a salve and are sharing their hauls on TikTok. The trend signals a yearning for control and comfort amid unpredictability, with people seeking immediate emotional relief through consumerism.

US Gen Zers are doom-spending to cope with Trump win

As Australia inches towards a cashless future, some are pushing back, citing concerns about budgeting, inequality, and security. From generational divides to fears of financial exclusion, this monetary tug-of-war reveals deeper issues about financial control in a rapidly digitising world.

Why going cashless is proving divisive in Australia

India's gig economy is booming, with the number of gig workers nationwide set to reach 23.5 million by 2030. However, due to the uncertainty of this income stream, most people remain cautious of their finances. How can brands harness tech and education to bolster a sense of financial security?

How Indians are managing money amid the rise of AI

Japanese households once again cut spending in September due to inflation and a weak yen pushing up living costs. As people continue to face financial anxiety, there is a burgeoning demand for budget-friendly brands, while many workers are also seeking a better work-life balance.

Japanese households further cut spending as costs rise

More than half of Australians consider the country’s income distribution to be unfair, and satisfaction with democracy is on the decline nationwide. Faith in traditional institutions is wavering globally, leading some people to turn towards anti-establishment voices for solutions.

Australians report decreased satisfaction with democracy

The consequences of teen gambling addiction are being brought to life in a Korean short film. Once thought of as an adult crisis, easy access to online gambling platforms has led to addicts skewing younger, prompting conversations about whose responsibility it is to keep young people safe.

Ad campaign highlights Korea’s teen gambling epidemic

South Koreans love to spend. But what happens when the country faces a financial crisis? With many people steeped in debt, younger generations are now being forced to downsize their purchases and miss out on major life milestones. How can brands help them fight against economic headwinds?

How South Koreans save while staying aspirational

Puig exceeded expectations with its Q3 earnings, bolstered by fragrance and skincare sales and demand in the EMEA region and Americas. As brands within luxury ponder whether to ‘go high’ or 'go low', Puig is opting for an enticing strategy – ‘go niche’ to stand out in a turbulent market.

Puig courts niche audiences within luxury

Some disillusioned workers in France are travelling out of the city to work the soil – but only for a few days a week. Seeking both meaning in life and financial stability, these workers are contributing to the popularity of multi-hyphenate careers spanning both urban and rural environments.

French seek meaning and money through part-time farming

Uncertain economic conditions are causing inflation to hike up insurance costs and premiums. In response, Aussie consumers want tech-informed policies and products aligned with the current financial situation. What does this mean? Accessible and affordable coverage.

Why Australians want insurance to reflect their real-life needs

How has Fintech changed the way Germans approach money management? How is the rise of spirituality and diverse belief systems changing the religious landscape? And why is marriage on the decline? This Cultural Snapshot of Germany in 2024 explores the key behavioural shifts.

A Cultural Snapshot of Germany: 2024 - 2025

Car buyers in Germany are showing muted demand for electric cars as the cost and quality of EVs fail to meet their needs. Countries recognise the need for an urgent transition towards a greener future, but balancing the competing needs of people and brands is an uphill battle.

Fewer German car buyers are opting for electric vehicles

Banks and financial institutions in Australia have spent the last decade competing with each other by improving their customer experience and providing seamless online transactions. With the dramatic rise of fraud and scams in the country, is it time to put some of that friction back?

Can payment friction create savvier online spenders?

A Mastercard campaign aims to boost autism acceptance in Singapore, sharing stories and driving inclusion in everyday spaces. As people choose to back brands that reflect their values and take steps toward inclusion, this ad highlights how brands can connect through intentional storytelling.

Mastercard spotlights autism and hidden disabilities 

Research shows that over half of London-based workers earning less than a 'real living wage' have had to turn to food banks in 2023/24. As the UK's economy begins to recover, wide disparities across economic groups are persisting, leaving many in need of additional support.

Lowest paid Londoners are turning to food banks 

Thousands of celebrity deepfakes are flooding the web, targeting would-be investors with crypto scams. As people look to the fractured digital space as an authoritative source of information and open-source AI models bring deepfakes to the fore, the scam signals a new frontier for disinformation.

Elon Musk deepfake scam stokes disinformation fears

Kyoto is partnering with e-gift firm Giftee on a 'Donate & Go' service, making it easier for tourists to contribute to regional efforts by giving half the donation back as e-money for local use. This maintains heritage, tackles over-tourism, and supports local businesses without reducing visitors.

Kyoto tackles over-tourism with e-gifts for tourists

The last decade has seen an explosion of fintech companies in Africa attempting to bank the unbanked but none have been as successful as OPay. How exactly have OPay’s efforts to drive financial inclusion turned it into the country’s biggest fintech success story?

How OPay serves Nigeria’s financially underserved entrepreneurs

Perceived financial pressures are making people more frugal and favour adverse. Some of this stress could be related to money dysmorphia, an exaggerated insecurity about one's finances. Brands can help by reassuring people and focusing on things that are more important than money.

Frugality in friendship: a growing issue for Gen Z and Y

Service provider Optus is doubling down on its commitment to the Australian small business community with its new campaign. As many owners struggle with the economic challenges of running a small business, the company shows an empathetic understanding and provides tangible support. 

Optus goes 'All In' on supporting Australian SMEs

A new campaign by Australian Unity reflects the challenge of balancing work and life through multiple life stages, improving representation and services for older Australians. The campaign highlights an opportunity for brands to consider the evolving health needs of older shoppers.

Australian Unity spotlights balance throughout life

Latin American SMEs, key to the region's economy, face limited access to credit and complex regulations but many are leveraging fintech, digital connectivity, and new educational models to drive growth. Can they unlock their full potential and spark a local economic renaissance?

What do Latin American SMEs need to thrive?

As the luxury sector takes a hit, the UK branch of Bulgari announced losses in 2023 due to economic instability and reduced tourism. With financial concerns worsening, trends like #underconsumptioncore and 'affordable luxury' rise, offering leverage for smaller, cheaper, and stylish alternatives.




Smaller brands may emerge as Bulgari UK struggles

Indian Gen Zers are preparing for an uncertain economic future by changing the way they manage their money. They prioritise value, are more entrepreneurial, and have more open discussions about finances. They want to enjoy life now while securing their future, making careful spending decisions that reflect both prudence and aspiration.

How is India’s Gen Z changing the way they earn and spend money?

Gen Yers and Zers in India are building financial independence by establishing various (mostly passive) income streams like investments, content creation, and freelancing. This is their solution to economic uncertainty, but how can brands help them in their quest to gain control over their finances?

How varied income streams give Indians economic certainty

What happens after the US election? How should brands navigate a hyper-politicised landscape? And where will the new opportunities emerge in an unstable political environment? In the 2025 US Macro Expert Outlook, Adam Berinsky explores what the US will look like in the year ahead.

2025 Expert Outlook on the USA

South Korean digital payments platform Naver Pay has launched a feature that allows users to raise a digital pet and earn points while doing so. As more Koreans embrace gamified e-commerce, brands are exploring more innovative mechanisms to keep people emotionally engaged.

Naver Pay levels up gamification with virtual pets

As the economy strengthens and Americans' financial sentiments improve, the 'vibecession' – where people feel pessimistic about money matters – is slowly lifting. But does this increased confidence stem from financial strategies and lifestyle hacks that are frowned upon by wider society?

American money dysmorphia is slowly dissipating  

By tokenizing assets such as stocks, bonds, and gold, Swarm Markets aims to enable investors to trade more efficiently and cost-effectively. How could this technology revolutionize how professional and retail traders access different assets by providing them with a better experience? 

Why Swarm Markets uses tokenization to empower traders

What if you could unlock your hotel room, get into a concert, collect loyalty points, and prove your ID just by tapping your phone? It could all soon be possible for the UK’s critical spenders thanks to an announcement in August that Apple is opening up its tap-to-pay tech to third-party developers.

How Apple’s Tap-to-Pay builds spending loyalty for Britons

Will AI regulation in finance curb innovation? What might help protect people from financial fraud? How will new pricing regulations impact shopper confidence? In this part of the 2025 Expert Outlook, we speak to three experts about where financial behaviours are headed next year.

2025 Expert Outlook on Money

With the rise of cryptocurrency, AI-driven fraud, and an evolving regulatory landscape, innovative detection methods and regulatory technology (RegTech) firms that leverage new technologies, like ComplyAdvantage, can disrupt the fintech space in Australia. What is the future of this industry?

How ComplyAdvantage eases Aussie concerns about fraud

Despite some Gen Zers wanting to cut back on non-essentials due to rising living costs and eco concerns, many are willing to concede on their budgeting for events. For brands, this represents an opportunity for IRL reach and impact during moments when people are most open to indulging.

Gen Z forego budget-conscious mindsets for live events

Healthcare technology company Zelis has debuted an out-of-network payments solution to help plan members navigate medical bills in a convenient and accessible way. The service acknowledges challenges around paying for medical care, addressing pain points around affordability and transparency. 

Zelis removes barriers around medical payments

Audio manufacturers Bang & Olufsen have released a line of future-proof headphones with modular components designed for easy repair and replacement. As eco-concerns converge with more critical spending habits, perspectives on sustainability are shifting to centre durability and slower consumption

Bang & Olufsen centre durability with modular headphones

Visa has announced an initiative to help boost consumer protection when people pay bills by bank transfer. As concerns over financial fraud with digital and online banking increase, the enhanced security measures are set to give consumers greater control and protection over how they pay.

Visa to launch enhanced consumer payment protections

A combination of responsibilities for their children and aging parents and economic challenges mean Gen Xers are feeling financially unprepared for retirement. Many are considering moving in with their kids to make ends meet and may need help broaching these conversations.

Gen X ‘Silver Squatters’ feel unprepared for retirement

More than half of US parents report needing financial assistance to buy the technology their kids need for their education, a worrying statistic as the back-to-school season kicks off. As tech becomes more essential in schools, parents seek reliable and affordable products for their kids.

US parents face financial barriers in buying tech for kids

How are UK cities engaging their inhabitants in city life? Where do city dwellers go for fun, and to spend their money? And what challenges are people in cities facing in 2024? This Urban Cultural Snapshot blends data and expert insight to illuminate contemporary behaviours in UK cities.

A Cultural Snapshot of the urban UK 2024 - 2025

M&S’s back-to-school campaign, ‘School Happens,’ captures the everyday chaos of school life. By focusing on the durability of its uniforms, M&S taps into parents’ focus on quality and value, offering a relatable take on what kids – and their clothing – really go through during the school year.

M&S shows durability and value in back to school spot

What does life in the UK look like outside of cities? Why is wild swimming a lifeline for community? What's next for UK localism? This snapshot explores the behavioural shifts and norms of those living in rural communities up and down the UK in 2024.

UK Cultural Snapshot: Rural Behaviours 2024 - 2025

Gen Zers are becoming landlords in increasing numbers as property investment grows as a side hustle for ambitious young Britons. As traditional career paths fracture, young people are looking for alternative ways to make ends meet, looking for passive income to allow them to pursue their passions.

Buy-to-let culture builds British Gen Z's passive income

Inspired by the success of brands, Lidl launched a limited edition set of GBP 20 ($26.4) mystery boxes for shoppers in the UK. Each box contained items usually found in the retailer’s notoriously eclectic middle aisle worth over GBP 100 ($132.2), meeting desires for thrifty indulgence.

Lidl’s middle aisle mystery boxes promote cheap splurges

As the older half of Gen Xers approach retirement age, many are without adequate pension funds to leave the workforce. As this group navigates a myriad of financial pressures, there’s an opportunity for brands to better support the needs of an often overlooked generation.

Retirement is becoming a distant dream for US Gen Xers

TikTok finance influencers have found popularity among Gen Z by doling out advice on how to get rich quickly. With economic insecurity fuelling widespread anxiety among this group, young people are increasingly turning to alternative sources of authority for ways to circumvent a broken system.

‘Hustle bro’ influencers sell financial freedom to Gen Z

Indians are increasingly drawn to exclusivity, customisation, and status when it comes to their gadgets, opening doors for high-end phones and specialised services. Leading this shift in the country are brands like Apple and Samsung, which are considered luxury products.

How are phones transforming into personal assets for Indians?

Stables is at the forefront of digital payment innovation, bridging traditional finance and the stablecoin market. By pioneering new ways to integrate and simplify digital assets, it taps into Australia’s growing adoption of digital transactions, making stablecoin a seamless part of finances.

How Stables drives crypto inclusion in Australia

Teens are turning to summer jobs again in increasing numbers, reversing a decades-long decline. The cost of living crisis is pushing Gen Z to look for short-term work during the season. As teens look to get an early start on their careers, employers have an opportunity to attract young talent.

Cost of living crisis spikes Gen Z summer job growth

Axis Bank has joined hands with Visa to launch Primus, a premier credit card for India’s ultra-high-net-worth individuals (UHNWIs). As luxury appetites mature, affluent Indians will expect brands to offer insider, bespoke products and services that centre on one-of-a-kind experiences.

Axis Bank unlocks VIP experiences for India’s UHNWIs

As Americans struggle to make ends meet, credit card balances are skyrocketing, with young spenders falling into delinquency at higher rates. While an inflationary economy has eased, many young Americans are still struggling to keep afloat and risking their economic future to do so.

Young Americans fall behind on credit card payments

In 2024, Australians will navigate the balance between their deeply held values and economic realities. While their decisions mirror their desire for societal change, the cost of living crisis has shifted priorities. How do these dual realities shape people’s lives and decisions amid trying times?

A Cultural Snapshot of Australia: 2024

The price and rigidity of healthcare payments present a major barrier to Americans getting the support they need. Acknowledging the challenges around payment plans, PayZen enables people to pay their healthcare costs in installments either before or after they receive the treatment.

PayZen adds flexibility to American healthcare bills

’Tis the season to gift, browse, and shop. Aussies haven’t lost any appetite for the Christmas season as a majority of the country continues to celebrate despite rising costs of living, spending most of their time and money with family. How can brands tap into the country’s holiday spirit?

How are Aussies shopping for Christmas?

Money

A study has found that nearly 75% of Boomers are planning on using buy now, pay later services when shopping for the holidays in 2024. As people navigate fluctuating finances, they're looking for more stability and control, and these findings show that BNPL is appealing to all generations.

Boomers most likely to use BNPL during holidays

In Vietnam, super-convenience is just one app away. M-Service’s MoMo e-wallet redefines digital payments for underbanked communities, with strategic tie-ups and ‘sticky’ features. As younger workers shape the country’s brand loyalty culture, MoMo aims to lead Vietnam’s cashless future.

How MoMo gains the loyalty of cash-conscious Vietnamese

With a focus on low-income workers and microentrepreneurs, the Brazilian neo-bank Neon is leveraging technology, fee-free digital banking, and comprehensive financial education initiatives to empower millions of underserved and unbanked Brazilians to take control of their finances.

How Neon makes banking accessible for Brazil’s working class

Germans seem increasingly concerned about their safety when making digital payments and are looking for banks to provide enhanced protection. As alternative payment methods proliferate, there’s an opportunity for brands to reassure customers about their protective measures.

Germans seek better protections against payment fraud

Paysafe and Deutsche Bank have partnered to enable the bank’s customers in Germany to deposit and withdraw cash to and from their accounts at participating retail locations across the country. The initiative balances tradition and digital innovation, lowering barriers to entry for many.

Deutsche Bank allow users to use cash services at stores

Digital challenger Parabank has teamed up with fintech provider Dock to launch cards that cater to Brazilians with disabilities. With the fintech revolution well underway in the country, the brand demonstrates what an intersectional approach to financial inclusion might look like.

Parabank meets financial needs of Brazilians with disabilities

A report has found high mobile banking app use across all generations, but also highlighted that 71% are anxious about AI in finance. While AI holds potential to streamline financial services, there's a challenge to balance this with a human touch – especially as financial fragility remains.




People value mobile banking but are weary of AI

HSBC has launched a campaign starring Priyanka Chopra Jonas that showcases food as an antidote for homesickness. With India cementing itself as a global hub for luxury spending, there’s an opportunity for brands to zero in on the lifestyle needs and desires of HNW Indians living abroad.

HSBC taps star power to court wealthy Indian expats

After a three-year wait, Revolut has received a UK banking licence (with restrictions) from the sector regulator. Digital banks are becoming increasingly popular in the UK, meeting audience expectations for convenience, personalisation, and accessibility, whereas legacy banks are lagging behind.

New licence puts Revolut in revamped challenger position

Convenience has become a north star for travel experiences. Tapping into this, GS Retail is rolling out Trip Pass Cards, which will enable tourists in Korea to use one card for a variety of services, from paying at local convenience stores to transport to getting tax refunds at duty-free shops.

GS Retail makes payments easier for tourists in Korea

Venmo, the American mobile payment service, has achieved cultural clout and a dedicated following among US Gen Y and Zers thanks to its novel approach in making it fun to send money between friends. What does its rise in popularity say about how people's money management skills are shifting?

How Venmo became the go-to payment provider for US youth

Indian fintech startup Jupiter is refashioning banking in India at breakneck speed. With its live expense tracking, easy investment channels and smart saving tools, Jupiter takes on the role of a financial partner to Indian Gen Y and Z. But how did it make its name in the sacred space of banking?

How Jupiter simplifies money management for Gen Y Indians

Despite being seen as high-tech, Japan has been slow to adopt fintech solutions. The country ranks among the top in APAC that are slow to embrace cashless payments. However, this situation may soon change as Olive tailors its app and all-in-one card to promote cashless living in Japan.

How Olive manages Japanese people’s cashless confidence

Monzo has introduced innovative app-based security features to protect their customers' savings from thieves and fraudsters. With increased phone theft and fraud rates among Britons, people are seeking reassurance, and banks are working to protect their best interests.

Monzo launches tools to protect customers from fraud

Apple has announced plans to drop its buy-now-pay-later (BNPL) option in the US, partnering with banks and lenders to offer flexible payments instead. As many Americans continue to struggle with BNPL debt, brands are looking for ways to keep them safe amid increasing rates of short-term debt.

Apple drops BNPL option from mobile wallets in the US

A survey has shown that America's view on tipping culture is changing, with three in five Americans now viewing tipping negatively. As people continue to operate with a heightened sense of value in a cost of living crisis, brands will face increased pressure to prove their equitable offerings.

Americans are viewing tipping differently

A Western Australia town has been declared a 'cash desert,' with thousands of residents forced to travel 500 miles to access the nearest bank. Their struggles reflect the critical need to address the challenges faced by rural communities amid a shift towards an increasingly hyper-digital world.

Cash deserts are spreading in Australia

Money matters often evoke feelings of stress, shame, or avoidance – especially with the cost of living and inflation looming over Britain's wallets.  Monzo promises to soothe these uncomfortable feelings via an ad that shows ways to transform financial worries into positive experiences. 

Monzo tackles money dysmorphia with positive ad

The Bilt Rewards loyalty program enables users to earn points through rent payments and bypass credit card fees. With people looking to make their money go further through passive income streams, brands like Bilt Rewards are leveraging hacker mindsets through low-effort, personalized rewards schemes.

Bilt enables users to earn points through rent payments

Simple and seamless travel experiences are increasingly seen as conventional post-COVID, and local public transport is no different. Rome has become the first European city to introduce a contactless payment system on its public transport network for users of the major Chinese card scheme, UnionPay.

Rome makes public transport fuss-free for UnionPay users

As Gen Zers and Yers come to terms with not having it like their parents did, they're turning to crypto and 'financial hacks' to make things work. Amid a decline in trust in traditional financial institutions, brands have an opportunity to help young adults manage their finances in new ways.

Gen Z and Y are trying to hack home ownership

The mobile payments app GCash has revolutionised financial services by bringing banking to Filipinos' fingertips. Through its innovative features, strategic partnerships, and commitment to financial inclusion, GCash empowers millions to control their finances and easily pierce the digital economy.

How GCash dispenses financial inclusion to mobile Filipinos

A survey has found that adults in the US are struggling to stay afloat, with the majority of adults living paycheck to paycheck. As inflation continues to threaten financial security, people are searching for brands and products that can provide holistic solutions and financial education.

Ongoing inflation impact is entrenching financial stress

People are increasingly critical of tipping culture, concerned that it shields businesses from properly compensating their employees. The shift points to mounting financial pressures and a desire among younger generations for transparency and accountability from employers.

Tipping fatigue sheds light on business expectations

PNC Bank has launched a campaign asserting itself as the 'boring' bank, pushing back against instability in the financial sector throughout the early 2020s. As people react to volatility in the crypto market and the conventional economy, they’re looking for brands to project stability.

PNC Bank uses 'boring' label to promote stability

Moniepoint is emerging as the most preferred payment system in Nigeria, thanks to its lower transaction decline rates and instant reversals of transactions if payments fail. With rising distrust among traditional banks, people are increasingly turning to challenger options they find more reliable.

Moniepoint offers financial reliability to Nigerians

Bearing a rising cost of living and the financial burdens of their parents and children, Indonesians are now managing their finances at much younger ages. As they brace themselves for this double whammy, Gen Z-focused app Whiz aims to empower them – one less lonely financial journey at a time.

How Whiz helps young Indonesians bond with family and finance

Many fintech apps focus on making complex financial topics – like stock picking and compound interest – easier for the average person to understand. London-based Communion goes one step further, targeting young people who feel like they can’t even make a start with savings.

How Communion helps Britons to save money

Banking and payments

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