Studies show that three quarters of us are born with the inclination to make poor spending decisions - spurring the creation of Japanese money management app PhotoMoney. And while it's not the first, developers believe it's unique enough to effectively alter spending habits.

Apple is hoping that Apple Pay, a tap-to-pay service integrated into the iPhone 6 and Apple Watch, will help it dominate the $79.2 billion-a-year digital payments market. But can Apple succeed where so many have failed before, and truly replace our wallets with our phones?

John McLear's NFC ring has shipped 25,000 units after far exceeding its Kickstarter goal. Wearers can share contacts and pictures, and unlock cars and houses. Its near invisibility and usefulness helps it avoid the pitfalls of most wearable tech.

Your friend has just paid for a lovely meal, as embarrassingly you had forgotten your purse. You get home and want to transfer the money as quickly as possible, but you don’t have the bank details. With Paym, all you need is a friend's mobile number to transfer the cash.