How much cash is in your pocket? With the onward march of technology, physical money now seems somewhat redundant. Paying for things with a smartphone or contactless card is simply more convenient nowadays. So with digital transactions becoming the norm, is the ATM doomed?

More than half of Americans are struggling financially, and although they're keen to cut their debts and start saving, many people lack effective money management skills. To help them navigate the financial maze, Clarity Money provides an all-in-one solution to save for the future.

What do older people need from banks? How do freelancers and zero-hour contractors manage their money? What are financial services doing to make customers feel like part of a community? And how can people save more strategically?

Brits have been falling out of love with cash for a while; a third of people carry less than a fiver around, favouring contactless payment methods instead. As a result, it’s led to a decline in sales of The Big Issue, which is sold by homeless people across the country.