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.

British charities missed out on £80 million in 2016 due to cash-only donation systems. In an effort to combat this, Barclays has launched donation boxes that accept card-based payments, theorising that a seamless payment system could lead to a spike in random acts of giving.

Since the financial crisis put banks in the hot seat, they’ve been fighting to win back people’s trust and affection. Canvas8 spoke to 20 men and women to understand what could persuade them to willingly engage in the life admin of switching banks.

Are we tired of thinking about money and ever more intent on outsourcing our decisions to artificial intelligence? How will the traditional, ‘big banks’ cope in a new world of digital competition? Will new EU legislation really shake up the sector or will it be business as usual? In this part of the 2018 Expert Outlook series, we speak to three money experts about what’s changing in the way people bank and spend globally.