Young people's trust in financial services is at an all-time low; 71% of Gen Yers would rather visit their dentist than hear what banks have to say. But San Francisco-based Affirm is hoping that a transparent approach to lending can restore some faith in customers and show that credit isn’t all bad.

There are lots of ups and downs to working on an adjustable schedule – doing double overtime one week, scrambling for a job the next. There’s now a new way to handle the financial instability of irregular employment – Even, an app that helps people with a variable income maintain a stable cash flow.

American Gen Yers have never been in so much debt – those aged 30-39 owe a combined total of $408.4 billion in student loans alone – and as they start to have families, their money worries are only growing. How can apps like Wela helping these young households tackle their financial crises?

Getting a college degree is – for many – an aspirational milestone in life that ensures security further down the line. But with finance-induced stress rife and rising tuition fees, more than 40 million Americans had student debt in September 2014. And they’d go to great lengths to get rid of it.