Trust in Australian banks is dwindling – just 36% of Aussies believe their bank has their best interests at heart. With the sector amid a shake-up, Up is giving people an easier way to manage their money, with flexibility, in-depth analysis and more human communication.

Paylater is a Nigerian digital loan app that claims to be able to issue a collateral-free loan in five minutes. In a time when 40% of Nigerians are going unbanked, Paylater is giving a mobile-savvy population with no collateral, access to credit when physical lenders are thin on the ground.

For German Gen Yers and Zers, buying insurance is scary – from paperwork and dealing with agents to paying through the nose for coverage. Digital-first Coya aims to do away with the stress, with flexible home insurance ‘micro-policies’ that are easy to understand and enroll in, all through an app.

Branch International is one of the biggest mobile lending apps in Africa, offering loans from $2 to $700. By recognizing that traditional ways of measuring credit-worthiness don't work in emerging markets, it's helping people to invest in businesses and manage their daily challenges.