With an unsteady economy and stagnant wages, times are tough in Brazil. People are already cutting back on eating out and drinks at the bar. And now, as rent prices soar across the country, more Brazilians are having to fork out the majority of their income to keep a roof over their head.

In Brazil, applying for a credit card is a whole lot of hassle. But mobile-first service Nubank is harnessing the 90 million-strong smartphone circulation to replace all that poor service and paperwork with a streamlined, app-based offering. Is this the future of Brazilian banking?

Consumer banks are racing to leverage social media and win over younger customers. But with 44% of Gen Yers believing that banks don’t understand them, they’ve had little success. In Brazil, Banco Original – for ‘people who don’t need banks, but need banking’ – is about to show them how it’s done.

Would you rather jet off to the Bahamas next week, or save and go in a years’ time? In an ‘I want it now’ culture, thinking for the future is hard. When two-thirds of boomers retire they won’t have saved enough to maintain their lifestyle. How can brands encourage people to think about tomorrow, today?