All over the world, countries are moving toward becoming cashless. While this does have its benefits – particularly for ostracised communities – it also creates issues for those people who rely mainly on cash and places a high level of power with large financial institutions.

With card and contactless payments becoming the norm for many Britons, the concept of a ‘cashless society’ is becoming a reality. What does this mean for charities that rely on people giving ‘spare change’? Canvas8 spoke to 20 Britons to understand how they’d prefer to donate on-the-spot.

As it becomes tougher to borrow from traditional sources like banks and credit unions, more and more Aussies are considering alternatives like peer-to-peer lending. How are fintech firms in this space challenging established institutions, and why are some people still wary of this form of finance?

With ‘credit invisibility’ preventing millions of Americans from borrowing money, fintech firms are using data to cut out institutional bias, basing decisions on ‘true risk’ instead. Among them is Upstart, which is harnessing AI to humanize and modernize the personal loans landscape.

Stagnant wages and rising living costs have many Americans delaying traditional life milestones. At the same time though, new moments have gained significance, and a campaign from fintech firm SoFi has honed in on the final payment of one’s student loans as an occasion worth celebrating.

While 55% of Britons believe their mental health and wellbeing are impacted by financial worries, many will avoid seeking advice from banks for fear of judgement. Plum gets around this with its Facebook Messenger-based bot that helps users save up, track their spending, and start investing.

Islam is the UK’s second largest listed religion, yet followers of the faith are underserved by mainstream financial service providers. Through its robo advisor platform, Wahed Invest lets Muslims easily manage their money through portfolios that are in-line with their religious principles.

Why is secure authentication becoming a bigger deal? How will AI change the ways people interact with financial services? Can central banks boost the reputation of digital currencies? In this part of the 2019 Expert Outlook, we speak to three experts about the impact of tech on money management.