Starting a retirement plan sounds like next level ‘adulting’, but with one in three Americans having no money in their nest egg and people living longer, it’s a vital financial consideration. Honest Dollar is hoping to provide the answer with affordable ways for SMEs to help employees start saving.

Over a third of 18-year-olds don’t understand what stocks and shares are – and of those that do, 30% are put off by hidden costs. The Acorns app lets you invest your small change as you buy a coffee or a cardigan – but can it get young adults interested in the stock market?

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?

The number of people using messaging apps is set to hit two billion by 2018, so it’s no wonder brands want to get in on the action. Major tech players are touting chatbots as the next big thing, but can they really revolutionise online interactions, or are they just part of an industry-driven pipe dream?