What can mobile wallets offer beyond payments? How are online-only banks taking on the industry’s ‘big four’? And what would convince apathetic consumers to switch their accounts? The 2016 Expert Outlook on money explores the brands and tech impacting lending, savings and payments.

The investment industry was once only open to the very wealthy, but Nutmeg now wants to offer money management to the masses. Its user-friendly platform has people invest small amounts, letting Nutmeg do all the hard work. But will people trust an online start-up with their savings?

In Germany, where 80% of transactions are carried out in cash, card payments aren’t considered secure. Fintech start-up Number26 intends to change this perception, as – even in the land of pretzels, biergartens and traditionalism – people begin to test the waters of digital banking.

As branches close and an increasing number of consumers use app-based finance services, high street banks are at a crossroads, with online alternatives set to further shake things up. Atom is a digital-only bank with a range of consumer and business accounts, but can it take digital banking nuclear?