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.

To make managing their money easier for Americans, the Dave app links with existing bank accounts and aims to keep people in the black by notifying them when they’re about to go into overdraft. It also breaks down anticipated ingoings and outgoings, giving users an easy way to budget.

Distrustful of traditional financial institutions, Gen Yers are more likely to favor digital banking experiences, according to research. As a generation with more debt and lower incomes than their parents, digital challenger banks are providing them with a greater sense of control over their finances.

A banking chatbot named Zelf is launching to help young people manage online payments using messenger platforms. With Gen Zers showing higher financial conscientiousness, brands can echo familiar platforms to make money management easier and enable frictionless transactions.