India has traditionally been a nation of savers, but individual approaches previously differed depending on wealth, age, and location. How are demonetisation and the subsequent rise of digital wallets transforming saving habits? And do younger generations even care about building a nest egg?

Setting up banks in India’s slums and villages might, in theory, give people more access to financial services, but showing up isn’t always enough. Aiming to make finance novices comfortable, Fino is opening branches that look shabby enough to blend into the background of these communities.

Gen Yers may spend hours researching eateries and nightlife when going on holiday, but many don’t factor insurance into their preparations, whether due to the associated confusion or cost. Enter Pluto, a mobile-first start-up that gives travellers quick quotes and easy-to-understand policies.

Just over 50% of British travellers have gone on holiday without taking out travel insurance, while 41% of Americans chose not to do so in 2017. So, who is buying this type of coverage? What are their motivations? And how can insurers get people to look beyond price when picking out a plan?