In the US, 80% of consumer spending no longer involves physical dollars, while in Britain cash use has dropped 14% in the last five years. What is driving this shift towards a cashless society? And how will we spend and manage money in the future?

London has over 20,000 black cabs and many people use public transport to get around the city. But it’s frustrating having to make an ATM detour if you’ve not got enough cash to pay the driver. Well fret no more – London's black cabs are rolling out cashless payments.

Cashless payments have already overtaken the use of notes and coins, and it’s predicted that by 2024 just a third of consumer payments will use cash. With Waitrose opening the first cashless supermarket in the UK, could this spark the rest of the retail sphere to ditch hard currency too?

What can mobile wallets offer beyond payments? How are online-only banks taking on the industry’s ‘big four’? And what would convince apathetic consumers to switch their accounts? The 2016 Expert Outlook on money explores the brands and tech impacting lending, savings and payments.