As part of its Uncarrier repositioning, T-Mobile is launching into the banking business with a pre-paid debit card and banking app. But if people aren't willing to trust banks with their cash, why should they trust a telecoms provider?

American Express is synonymous with privilege and luxury – so its latest venture may seem surprising. Its Bluebird Bank helps Americans let down by traditional banking, who may not even have a bank account. What's driving the makers of the Black Card to bank the unbanked?

With the growth of digital, a new solution to retail banking woes is emerging. Hello bank! is the world's first stand-alone digital mobile bank that's accessible any time, any place – and, crucially, maintains a clear focus on customer experience.

People are willing to show support for social causes – provided they don't have to do much - and brands are finding new ways to tap into the strength of the herd. By re-engineering menial actions – from buying body lotion to having sex – there are ways to reward everyone.