The average Gen Yer spends five hours a week taking photos of themselves. Knowing how much this group loves a selfie, and that ease is considered the most important feature of banking, MasterCard is hoping its ‘selfie’ payment method will get them snapping and spending like there’s no tomorrow.

Apple Pay has already enabled consumers pay with their smartphones and smart watches. Now, MasterCard is hoping to extend this to everything – from wearables to the humble key fob – through its Commerce For Every Device programme, aimed at bringing seamless simplicity to payments.

Online banking can be a pain. Passwords are easy to forget, and that tiny card reader is easy to lose. While financial institutions experiment with fingerprint verification, others track your eyes to double-check it's you. Halifax wants to go one step further, using heart rate to unlock your account.

Attitudes to PINs and passwords are pretty lax; 25% of people use the same code for every card. Intelligent Environments is hoping to reinvent passwords, replacing numbers with a combination of four emojis. Can the fastest growing language come to dominate our PIN codes as they do our texts?