Studies show that three quarters of us are born with the inclination to make poor spending decisions - spurring the creation of Japanese money management app PhotoMoney. And while it's not the first, developers believe it's unique enough to effectively alter spending habits.

The explosion of interest in mobile messaging platforms has prompted heated competition to secure the largest and most loyal global user base. From LINE’s stickers to WeChat’s partnership with Lionel Messi, there’s a race to innovate, and fast.

As young people flock to WhatsApp, LINE and other chat apps, Facebook struggles to stay relevant. In response, it's created better emoticons – called Stickers – that are part of a deeper shift towards pictures as a primary way to communicate.

What keeps AT&T's CEO awake at night? Smartphones, apparently. As consumers adopt free apps like WhatsApp, Viber and Skype, revenues from the operators industry's most prized cash cow, the text message, are slipping. How will operators evolve?