While 44% of Brazilians remain unbanked, the way the nation spends its money is evolving. Already comfortable with mobile payments and online banking, people are increasingly embracing credit and debit cards because they are more secure than cash.

Weighed down by your wallet? Purse cluttered up with cards? Then perhaps Kerv is the wearable you’ve been waiting for. This smart ring enables people to make payments without a counterpart device, while also functioning as an Oyster card and a repository for emergency and medical info.

Research conducted by the Datafolha Institute has found that 65% of Brazilians aren’t saving money. As they benefit from one of the most generous pension systems in the world, they have little incentive to set money aside for the long-term, but fintech brands are helping to secure their finances.

From splitting the bill to seamlessly shopping, people are using peer-to-peer (P2P) payment apps for speed and convenience. PayKey cuts out the hassle of opening up yet another app to settle up by making bank-connected payments available straight from a user’s mobile keyboard.