Sarah Drumm is a freelance journalist covering small businesses, start-ups, and new consumer brands. She is a contributor to Canvas8 and published a report on the popularity of direct-to-consumer brand communities for Thingtesting.

In the turbulent economic environment, money is losing its value. Consumers are reevaluating their spending across sectors. With a looming crisis of trust in financial institutions, how are people managing their budgets? And how can brands navigate the complex relationship between value and cost?

Critical Spenders

Ross Chapman is the founder of Skysoclear, an agency that works with clients to create digital products. He has worked with Google, NatWest, and Land Rover.

United Kingdom

Money

Evening Standard

Interview with Ross Chapman conducted by the author

Money & Pensions Service

Deloitte

FT Adviser

Investment Week

Board Agenda

Financial Times

Motley Fool

Backed by Arsenal footballer Jorginho, Gather is a fintech app that lets users pick investment portfolios based on risk appetite and social values. Its USP is that it speaks Gen Z’s language – but how exactly is it making money management and financial decision-making intuitive for young people?