Over half of smartphones in the UK use an Android OS. Yet their users might have been feeling shortchanged, since Google has so far offered no mobile payment solution to rival Apple Pay, which launched in October 2014. This is set to change with Android Pay coming to Britain in 2016.

Weighed down by your wallet? Purse cluttered up with cards? Then perhaps Kerv is the wearable you’ve been waiting for. This smart ring enables people to make payments without a counterpart device, while also functioning as an Oyster card and a repository for emergency and medical info.

You could soon be saying 'I’ll pay with Google' when you buy your morning coffee. The tech giant is testing hands-free, voice-activated payments in Silicon Valley branches of McDonald's and Papa John's. The tech removes the need to get out your wallet or even your phone when you check out.

It's a widely held belief, stereotype, and even a joke among younger generations that over-50s aren’t great with technology. However, they may be savvier than people believe – in the UK, almost all members of this cohort own a mobile phone, while almost half have a recent model.