With inflation predicted to reach 18.6% in the UK and still at 8.5% in the US, people are looking for alternative ways to bolster and protect their personal finances. While hype meme stocks sit at one end of the spectrum, we’re also seeing a rise in people going back to basics, with Gen Zers making 17% of all their purchases in cash in 2021 compared to 16% of 25- to 34-year-olds and 13% of 35- to 44-year-olds. We know that using cash helps people feel in control and combats the ‘cashless effect’ – the psychological effect of being willing to spend more when you don’t feel the money in your hand. Between analogue culture and the gamification of investing are opportunities for new financial products. For example, Previ is meeting budgeting needs by letting users pay standing orders directly from their paycheck while also offering rewards and cashback to encourage spending. And Revolut has launched a 'Learn & Earn' course around crypto. Such offers highlight that in inflationary times, bringing clarity to new financial opportunities and also maintaining confidence in existing systems is key to keep people feeling supported.