A consumer survey has revealed Buy Now Pay Later payment services are adding to UK consumers' financial worries. With a cost-of-living crisis impacting people’s ability to pay for essential goods and services, greater oversight is needed in order to help people manage their finances responsibly.

Young people want to save and budget in a way that isn’t boring. Cleo provides a smart AI bot that delivers financial services in a fresh and disruptive way. With $44 million in funding, Cleo is one of the fastest-growing fintech brands catering to a younger audience: Gen Zers.

Have frictionless payments gone too far? Are women finally set to get targeted financial advice? And will investments’ eco-credentials trump potential returns? In this part of the 2021 Expert Outlook, we speak to three experts about how people are redefining their relationships with money.

As people try to stay on top of their finances in uncertain times, BNPL services have grown in popularity. The fact that more than 17 million British shoppers have used them for an online purchase highlights opportunities to support people with budgeting and planning ahead financially.