'Buy now, pay later' schemes have been demonised, accused of damaging credit scores by encouraging instant gratification. They’re often associated with fast fashion consumers who spend beyond their means, but a survey has revealed HNWIs are prominent users – for luxury purchases, too.

COVID-19 has hit the travel and hospitality sector harder than most others, with event venues forced to postpone bookings, airlines grounding fleets, and restaurants banning sit-in service. As people re-explore their leisure options post-lockdown, what will they expect from brands in this space?

The Zilch credit card is helping young shoppers gain more experience in financial credit payments. While many Gen Yers and Zers are turning to 'buy now, pay later' schemes to help fund their shopping habits, there are calls for financial brands to help young customers stay financially responsible.

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.