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  • Are people looking for a bit more friction in their transactions?
  • Are people looking for a bit more friction in their transactions?
    Ono Kosuki (2020) ©

2021 Expert Outlook on Money

Have frictionless payments gone too far? Are women finally set to get targeted financial advice? And will investments’ eco credentials trump potential returns? In this part of the 2021 Expert Outlook, we speak to three experts about how people are redefining their relationships with money.

Location Global

In 2020, consumer society ground to a sputtering halt. The pandemic saw people retreat indoors for months on end, put over 25 million jobs at risk, and plunged the world into the worst recession since the Great Depression, with the global economy set to contract by 3%. The economic and social instability of the year has transformed financial attitudes, behaviours, and planning across the world. As of September 2020, 64% of Americans had changed their spending habits as a result of the pandemic. Income inequality has worsened, with minorities ...



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    What stops women from saving for retirement?

    The financial inequalities faced by women in America aren’t limited to a pay gap. Traditional gender expectations and a lack of tailored services mean that they’re also less prepared for retirement than men. So, how can women be encouraged to build a nest egg as they move through life?

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    How is ‘buy now, pay later’ impacting Gen Zers’ debt?

    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?

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    SmartPurse: empowering busy women to be cash-smart

    Women are often let down by the finance industry, from patronising campaigns to intimidating institutions. Online toolkit SmartPurse provides jargon-free financial information, a chance to network with other women on and offline, and a database for finding a financial adviser or coach. 

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    Aspiration: an ethical bank for values-led Gen Yers

    As Gen Yers enter their financial prime, brands across sectors are looking at ways to adapt their offerings to meet the ethical expectations of this cohort. Online-only challenger bank Aspiration is appealing to them by putting trust, transparency, and sustainability at the heart of its business.