Pay day never comes around quick enough, but what do you do when you’re edging closer to the red and have nothing left to buy dinner for the next week? Enter Cleo – an AI money management assistant that's designed to tell you exactly where you’re splashing the cash.

Nearly seven in ten Americans have less than $1,000 in their savings accounts, and 34% have nothing set aside whatsoever. Conserving cash can be difficult, but finance app Digit wants people to leave it to a bot. How has it managed to save people over $230 million in just 18 months?

Managing your money is never easy, but it’s particularly difficult if you’re trying to save for a once-in-a-lifetime trip or big ticket item. Enter Squirrel – an app for people who want to make their bucket list ideas come true with the help of a little budgeting know-how.

What does open banking mean? Where will fintech disruptors strike next? And what will result from an increasing acceleration away from cash? As part of our Expert Outlook 2017 series, we speak to three experts to explore the brands and tech impacting lending, savings and payments.