'Buy now, pay later' schemes offer a short-term solution for shoppers in a tight spot, but some say they can also lead to credit score damage. As people navigate financial uncertainty brought on by the pandemic, a Klarna initiative is offering education instead of a 'buy buy buy' message.

As the cost of living continues to rise, people are returning to using cash in an attempt to help them budget more tangibly. With digital spending often all too easy to lose track of, there are opportunities to help people looking to track their spending, as well as increase access to cash.

Gen Yers and Zers are turning to payment services like Klarna, Afterpay, and Laybuy to help their wallets keep up with their shopping habits. But due to a lack of education regarding financial responsibility, how are these ‘buy now, pay later’ services impacting their financial futures?

How have vulnerable individuals been affected by the digitisation of banking? Will NFTs become a new type of commerce? How can people level up their retirement savings? In this part of the 2022 Expert Outlook, we speak to three experts about how people are seeking more agency over their finances.