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.

Despite Japan's prestige for both great design and brilliant technologies, both specialities are lost online. Cramped and garish home pages reminiscent of the mid-'90s have been attributed to both linguistic and cultural differences from the West.

Returning clothes is expensive for retailers and irritating for customers. Up to 50% of clothes bought online are returned, which costs companies millions in handling and postage. Offline, retailers have been experiencing growing numbers of 'wardrobers' - shoppers who buy, wear and return clothes.

India was once a cash economy governed by middle-class values. If you didn’t have it, you didn’t spend it. Thanks to credit cards and a young generation that expect the finest things in life, India has a debt problem. But what opportunities can ‘putting it on credit’ bring?