Digital currencies like Bitcoin and Ether may be increasingly commonplace, but understanding how they work can be a minefield. And this lack of clarity is affecting people's attitudes – many Americans see them predominantly as a tool for criminal activity, rather than a form of legal tender.

Facebook's announcement of its plan to launch a new cryptocurrency might shake up global finance by reaching those who currently don't have bank accounts. However, privacy concerns and a lack of trust in the company may prevent people from getting on board.

They may be in their prime earning years, but Gen Xers are feeling financial pressure as they juggle the costs of caring for older and younger family members with an urgent need to save for retirement. So, what’s the best way to help them navigate their complex budgets and future monetary needs?

Are people growing bored of fintech services? How is an abundance of banking choices hindering decisions? And what money taboos are people desperate to break? In this chapter of the 2020 Expert Outlook, we speak to three experts about people’s desire for ease and openness in finance.