The Spedn crypto-wallet gives unbanked Americans a method to pay for goods without cash in stores. The move reflects the normalisation of crypto-currencies, and illustrates people's willingness to adopt new financial systems to solve existing problems.

There’s plenty to dissuade people from using reward schemes – whether it’s forgetting one’s card at home or not wanting to pull out a discount coupon in front of a date. With the help of its own cryptocurrency, Liven helps Aussies seamlessly save when they’re dining at their favourite restaurants.

Giftcoin is the world’s first cryptocurrency designed for transparent charitable giving. Could this use of cryptocurrency – which was until recently an alternative or niche way of spending – be a step towards seeing radical ideas becoming mainstream models?

Only a fifth of Australians like to make purchases in cash, with most now preferring the convenience and security offered by digital payments. As spending habits change, businesses can use payment tech to retain customers and eliminate the pain points associated with cash.