With UK consumer confidence increasing, competition among banks is stronger than ever. Austerity has left consumers cautious, while 24/7 banking has given more access and control over personal finance. But what do people want, and how can banks entice them to switch?

Does Google have all the answers? A new wave of premium mobile services don't think so. Connecting people with real-time advisors in everything from fashion to finance, innovators are creating a future where having a panel in your pocket, ready to offer support in one click, is the norm.

At a time when trust in banks and bankers is low, Virgin is offering consumers a fresh vision of high street banking, swapping the traditional line of bank tellers and corporate colour schemes for 'lounge-style' spaces.

Will we all adopt NFC payments? How will our privacy concerns hinder the development of electronic money? Do we really trust brands over banks and why should all finance companies be watching Apple?