Have frictionless payments gone too far? Are women finally set to get targeted financial advice? And will investments’ eco-credentials trump potential returns? In this part of the 2021 Expert Outlook, we speak to three experts about how people are redefining their relationships with money.

Orchard Road, Singapore’s famed shopping strip, has been hit particularly hard by COVID-19. Already struggling before the pandemic, the district has struggled to reach consumers who instead are seeking out either luxury retailers or more affordable options, rather than the middle-of-the-road option.

As trust in traditional financial institutions declined after the 2008 crash, challenger banks flourished. Yet while emoji passcodes and bill-splitting features may have been key selling points previously, a growing number of Britons are turning to these platforms for ethical investment options.

To make managing their money easier for Americans, the Dave app links with existing bank accounts and aims to keep people in the black by notifying them when they’re about to go into overdraft. It also breaks down anticipated ingoings and outgoings, giving users an easy way to budget.