Whether it’s splitting the bill at a bar or sharing a cab fare home, paying your peers can be an awkward hassle. Mobile wallet app Venmo is changing this with a social media-style digital payment system that lets you instantly transfer money between friends. Could Venmo kill cash for good?

Whether pinging your colleague a PDF or sending a mate an mp3, email attachments are the norm. And Google Wallet now allows UK users to attach cash to their emails, too. But in a financial landscape rife with privacy concerns, do people really want bank transfers to be as easy as sending an email?

Do you hate fumbling with change at the checkout? This is no longer a problem in France. An app named Lydia now lets its users send and receive money for free using just their smartphone – and the most recent update makes it easier than ever to make payments.

Apple is hoping that Apple Pay, a tap-to-pay service integrated into the iPhone 6 and Apple Watch, will help it dominate the $79.2 billion-a-year digital payments market. But can Apple succeed where so many have failed before, and truly replace our wallets with our phones?