Dividend yield, PEG factor, EPS undiluted. Financial terms don’t mean much to the everyday person. Kathryn Cicoletti - who worked in asset management - has created MakinSense Babe, a site that translates finance news and investment advice into language that everyone understands.

Why is banking becoming more visual? How is awkwardness fuelling payment innovations? And just who is wearing a wristband wallet? In our 2014 sector snapshot of Money, we round up the insights and innovations impacting the finance sector over the last six months.

Does Google have all the answers? A new wave of premium mobile services don't think so. Connecting people with real-time advisors in everything from fashion to finance, innovators are creating a future where having a panel in your pocket, ready to offer support in one click, is the norm.

Studies show that three quarters of us are born with the inclination to make poor spending decisions - spurring the creation of Japanese money management app PhotoMoney. And while it's not the first, developers believe it's unique enough to effectively alter spending habits.