As branches close and an increasing number of consumers use app-based finance services, high street banks are at a crossroads, with online alternatives set to further shake things up. Atom is a digital-only bank with a range of consumer and business accounts, but can it take digital banking nuclear?

In Germany, where 80% of transactions are carried out in cash, card payments aren’t considered secure. Fintech start-up Number26 intends to change this perception, as – even in the land of pretzels, biergartens and traditionalism – people begin to test the waters of digital banking.

The investment industry was once only open to the very wealthy, but Nutmeg now wants to offer money management to the masses. Its user-friendly platform has people invest small amounts, letting Nutmeg do all the hard work. But will people trust an online start-up with their savings?

For a generation of young Australians, traditional banking models are losing their lustre, and the financial sector is getting a digital shakedown. Whether you need a loan to buy livestock or help through medical school, peer-to-peer lender SocietyOne is offering a different solution.