According to research conducted by PopSugar, Gen Y women in the US are relying on their phones for almost all daily tasks, including making payments and managing finances. This disruption of daily behaviors provides opportunities for apps to better integrate into increasingly augmented lives.

Rapidly shifting market forces have made China the largest and most sophisticated digital (and notably mobile) payment market in the world. In turn, these forces are also changing consumer behaviour and pushing the country’s consumers towards a society that no longer uses cash.

From saving at the touch of a button to pinging a mate cash, the advent of open banking means Britons expect more control over their finances. And while there are still issues with contactless payments, one poll suggests that almost half of Britons would like to customise contactless payment limits.

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.