As people spend less time in traditional communities, they’re seeking connections beyond religion and family. Memberships with organisations or brands can create loyalty and boost revenues, but the reasons to join Scientology or Sainsbury’s are vastly different. So why do people become members?

Fintech start-ups are commonly positioned as a threat to established financial institutions, providing consumers with more digital ways to bank. Toronto-based Dream Payments, however, is taking a different approach, aiming to help established giants rather than hurt them.

When we run into trouble, friends and family have our backs. And it's a good job – with payday lenders charging extortionate fees and trust in banks low, who do financially fragile Gen Y turn to when they're in need? This alternative lender will front you cash, whilst taking pressure off your pals.

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.