The Shout app gives New Yorkers access to sought-after event tickets and restaurant bookings without the hassle of waiting. People can buy and sell reservations for a fee agreed by both parties. They can even swap spots whilst waiting in line, communicating via the app.

Waltz to the front of a line in a shop in the UK, and you'll receive plenty of dirty looks for committing such a social gaffe. But in Brazil, it’s the law – for seniors, at least. Businesses are required to give special attention to older customers and allow them to buck the line anywhere, anytime.

What can mobile wallets offer beyond payments? How are online-only banks taking on the industry’s ‘big four’? And what would convince apathetic consumers to switch their accounts? The 2016 Expert Outlook on money explores the brands and tech impacting lending, savings and payments.

Whether you’re at the station in Dagenham or on Main Street in DisneyWorld, queueing is woven into the very fabric of how many cultures create order in a crowd. David Andrews, author of Why does the other line always move faster?, explains why we queue and the psychological effect it has on us.