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For those of us lucky to be in a loving relationship, Valentine’s Day is an opportunity to celebrate and look forward to the year ahead. On the other hand, for people who are single, it can prove to be a difficult time of the year, with some people feeling alone or at a loose end.

With that in mind, we’ve looked at five apps that are helping to battle the effects of loneliness.

BuddyHub

Their tagline describes perfectly the nature of their business, ‘turning loneliness into happiness’. The team at BuddyHub are here to make a difference to an older community in the UK. The UK’s population is made up of a million people over 65 who are said to either feel lonely all the time or most of the time. BuddyHub is here to help prevent that by connecting them with like-minded buddies who live no-longer than a 30-minute walk away. Seniors and buddies are carefully matched based on their interests and experiences. Put simply the app was designed for the purpose of making friends and enjoying someone else’s company.

Patook

Meet the first strictly platonic friend making app, get matched with people near you who share similar interests. There’s just one rule, absolutely no flirting! Patook’s AI-powered flirt detector’ works by comparing messages to data from forums that post flirty messages. Using the AI technology, it identifies the message and doesn’t allow a user to send a message if it is deemed ‘flirty’. Patook allows you to assign points to specific traits you’re looking for in potential friends which helps find your mate matches.

Meetup

Ever wanted to join like-minded individuals like yourself and learn how to code? Or chat about blockchain over a few cold ones? Meetup is the online community that allows you to do just that. Register to a group online and then meet in person the next time that group meets. Even with the hundreds of groups to choose from on Meetup, if there’s something specific you want to get into then create the group yourself and wait for people to join . Meetup was created to allow people to do more of what matters to them. Getting together with people in real life can make powerful things happen. Groups become opportunities, ideas become movements.

Nextdoor

The best way to stay in touch with what’s going on in your neighbourhood. Whether it’s finding a last-minute childminder, planning an event in the local community or warning your neighbourhood about some updated safety tips. If Nextdoor is the answer, then the question must be how neighbourhoods can stay in better contact.

With a secure verification process, neighbourhoods can rest easy knowing that strangers won’t be allowed to register to their street until their data has been accepted.

 We3

A free mobile app that privately connects you to the most compatible people around you. By combining social science and machine learning (and just the small matter of 150 factors into consideration) to create the most advanced algorithm around, but like Patook remember this is for making friends only! Once the questions have been answered, We3 will begin to match you with group chats of 3 incredibly compatible people, currently, it only matches people of the same gender. Why 3? We3 believes meeting in groups of three is more conducive to forming new friendships than the awkward 1 on 1 “friend date”.

If you would like to learn more about what PR could do for your business, speak to a member of our award-winning team today.

The apps that are making loneliness a thing of the past

Last week saw the biggest gaming industry event dedicated to solutions, content and networking with some of the largest names in the business descend on London – ICE London. We take a look at the companies that are leading the way in both the online and offline gaming sectors.

Fantasy sports interactive

Fantasy sports interactive or FSI is the award-winning, fantasy sports betting software company. This innovative business not only offers a range of fantasy sport gaming options but is also the first company to launch fantasy better in Europe through their own platform.

Their rich insights into fantasy sports betting and skill gaming offer a tailored white-label solution to iGaming operators and businesses seeking a modern and effective way to gain new customers. If you need to create an engaging, competitive and full licensed iGaming product, FSI is the business to get in touch with.

Perform Group

Perform Group is a leading digital sports content and media group, who strive to connect the world through sport by producing the most detailed and engaging content around. With consistent advances in technology, and changes in the way fans consume content, Perform want to lead the charge and elevate the users experience.

It’s also worth mentioning the great charity work that Perform have done in the past.  Working with Plan International, the project focuses on lifting children out of poverty and advancing gender equality through the power of sport.

During their time in India, Perform managed to reach 12,895 children either through sports, life skills and awareness sessions. We can’t wait to read about all the great work they achieve in their upcoming CSR project in Brazil!

Super Spade Games

Super Spade Games offers a classy and flexible live dealer format for gaming operators from all around the globe and provide a service for white label providers too.

By delivering a unique and extraordinary gaming experience to players across a host of live dealer games. Innovation is at the heart of everything that Super Spade Games does. With their friendly interface and fast development work, watch out for Super Spade Games throughout 2019.

Betgenius

 Crowned sports betting supplier of the year in 2018 and one of the leading providers of sophisticated software to the regulated sports betting sector. Betgenius provide robust and unique technology that aids both international bookmakers and lottery operators the ability to increase performance across both trading and marketing.

Founded in 2000, Betgenius has risen to the top and are proud to supply not only the world’s biggest sportsbooks, but also own the fastest and most accurate live data around.

Storm Gaming Technology

For the fifth year running, Storm GT exhibited at this years’ ICE London event. The UK’s most progressive, independent gaming company has been creating gaming software and platforms, specifically for the pub, bar, club and arcade sectors across both domestic and international markets for the past decade.

With over 5,000 kiosks installed in over 12 countries, Storm GT specialises in game development, kiosk manufacturing, graphics and 3D modelling. Their philosophy is based around building and nurturing relationships that evolve into fully fledged partnerships that lead to the possibility of relevant opportunities.

Are you looking to establish your reputation within the gambling industry? Are you looking to break-through to a new organisation or audience? Speak to a member of our award-winning team today to find out how we can work with you to deliver a bespoke communications strategy.

Spotlight on ICE London

Do you have a perfect night in planned this Valentines? Are you in charge of whipping up a romantic meal for two but you’re a little unsure as to what to cook? Well fear not, we have tracked down the mobile apps that make rustling up that perfect dish all the more fun and simpler.

Yummly

The smart cooking sidekick that learns what you like and helps customise your browsing experience to match your personal taste. Whether you have allergies, nutritional needs, or you simply want to start at the beginning stages of cooking in the kitchen, this clever app provides it all.

It doesn’t stop there, Yummly’s unique filtering system allows you not only to breakdown your choices by cuisine but also cooking time, dietary requirements, occasion and much more! So, if you’re unsure what to cook this Valentines Yummly could be the perfect match for you.

Mealime

How many times a week do you have the same conversation with friends or family asking what is planned for your evening meal? Well, we bring you Mealime who pride themselves on the app that can ‘take the thinking out of what’s for dinner’. Making meal planning, food shopping and cooking easier than ever from their simple easy to use application.

A study by YouGov showed 1 in 8 of us in the UK avoid cooking from scratch because we simply don’t have the time or know how to do it. Mealime can help buck that trend and could make the next Jamie Oliver or Mary Berry of you yet!

HappyCow

HappyCow was founded in 1999 for vegan / plant-based individuals travelling the world looking for healthy foods. According to The Vegan society, there are over 600,000 people who have a vegan diet in the UK, and this is forever on the rise.

HappyCow is the perfect restaurant and health food store guide to help you seek out the best places to eat, find foods you love without a limited menu on hand. With millions of members worldwide, you’ll never be short of inspiration whether you’re spending Valentine’s day in the UK or somewhere more exotic.

BigOven

BigOven is the creation of a software engineer who just loves to cook. Founder Steve prides this application as the place to store all your culinary delights. With BigOven, you can take your recipes anywhere, make grocery lists and easily share your favourite creations with your friends, family or just save for some inspiration another time.

This handy app gives the ability to plan meals, manage your shopping list, be part of a community, reduce your food waste and the best part is it is absolutely free!

Tasty

The official home of all things tasty. With their easy to follow recipes, short videos to show you exactly how it is done using items in the cupboard we all own, Tasty is perfect for the beginner chef just starting out.

With hundreds of ideas for breakfast, dinner, snacks and more across their app you are in good hands with Tasty. Priding themselves as the cookery coach at your fingertips you’ll be full of inspiration this valentine’s day.

Cookpad

Cookpad is the technology hub for food lovers to share all their tips and tricks in the kitchen. The ethos behind Cookpad is to build a better world by teaching people to cook, for the growers and producers we buy from, and the wider environment.

Now on average, 100 million people around the world use Cookpad every month and over 5 million recipes have been created on the platform in 70 different countries, so you are sure to find something that tickles your taste buds.

If you have an app, you’re looking to launch to market get in touch today. Find out how we can work with you and your in-house teams to achieve your long-term goals. We have extensive experience across multiple sectors, but above all, we’re passionate about all things tech and well…food! Speak to our team today to find out more.

Meal ideas for Valentine’s Day – the apps that can decide for you

London Blockchain Week is back for its fifth year, where a community of experts and innovators will gather to deliver a festival of events, exhibitions, thought-provoking workshops and, of course, networking opportunities.

Blockchain is quickly becoming universal, mainstream and sector agnostic, revolutionising a variety of industries not least fintech. With that in mind, we’ve taken a look at some of the exciting fintech players set to generate some buzz at LBW this year.

Suprafin

Describe themselves as “the first global vetted token platform on blockchain”, on a mission to address financial inclusion by bringing transparency to and fraud elimination the initial coin offering (ICO) industry.

What does that mean in simple terms? Suprafin is making it easier for individuals and businesses to create a diversified portfolio of cryptocurrencies – especially if they don’t have the time or expertise to navigate the highly volatile and complex cryptocurrency markets themselves. It’s a robo-advisor for cryptocurrencies – much like Wealthify or Moneyfarm in the stocks & shares investment space, Suprafin is doing something similar for cryptocurrency.

The Suprafin platform helps you create and manage a portfolio of vetted (to avoid scams) cryptocurrencies, tailoring your portfolio based on your preferences and needs. It does all of this through automation, AI algorithms and risk methodologies. You can also buy and sell cryptocurrencies directly on the platform and receive monitoring alerts with buy/sell recommendations.

Wyzer

Founded in 2018 and based in Malta (a recognised leader in the blockchain space), Wyzer is a fintech and software development company disrupting industries through AI and Blockchain technology.

CEO Daniel Grech has a vision that finance should be much more efficient, transparent and, most of all, fair. Daniel views blockchain as more than just technology – he says it’s a “kind of social eutopia”, and he is a big fan of how decentralisation results in more people being better off. He feels that despite economies constantly growing, the gap between the rich and poor is, unfortunately, growing too – and blockchain technology is a perfect way of challenging this gap and empowering the masses.

With this in mind, Wyzer is trying to decentralise the way the finance space works, believing more people around the world should have much easier access to investment products, without having to pay fees or rely on connections or prior knowledge.

Blockchain makes systems much more transparent and, if applied well, can make systems much fairer, so Wyzer wants to bring world-class financial products to everyone, so that as many people as possible can enjoy a more lucrative future (and not just the wealthy). They have a variety of models/products, ranging from KYC to fund tokenisation.

Its smart decentralised applications deliver on its vision to put the world’s most innovative, seamless and cost-effective technologies in the hands of as many people as possible.

Knabu

Also known as Knabu Crypto, these guys are a blockchain technology company seeking to become a utility bank in the UK.

A utility bank is also known as a clearing bank. Clearing banks have settlement accounts with the Bank of England, and the entire UK payment system settles across these BoE accounts. There are currently only seven of these in the UK; Barclays, HSBC, Lloyds Bank, NatWest, RBS, Ulster Bank and Clearbank. In the last 250 years, there has only been one clearing bank to enter the UK market, and Knabu is looking to break this monopoly and be the first blockchain technology company to do it through a utility.

Knabu is on a mission to bring an operational commercial bank account to crypto companies, without them having to worry about ‘risk’, which is often a stumbling block when opening an account (and is a common reason for them being shut down too). Knabu believes the banking model is outdated, so they are engineering their utility bank to use blockchain technology and build upon decentralised mechanisms that remove inefficiencies.

Federman Capital

Tomer Federman, Founder and CEO of Federman Capital, was so absorbed by and convinced that blockchain technology is going to change the world, that it led him to quit his role driving Strategy and Global Growth at Facebook.

Tomer acknowledges that the crypto market has grown and matured significantly over the past few years but believes “these are still very much early days”. He says he is “convinced significant investment opportunities are emerging…excited to help our clients capture value”.

Federman Capital is an investment firm that focuses on cryptocurrencies, tokens and protocols to create a portfolio for its clients which help to generate excellent returns for investors.

Keep an eye out at LBW for Founder and CEO, Tomer, who will be on the investor panel each day throughout the week.

If you would like to learn more about what PR could do for your business, speak to a member of our award-winning team today.

The fintech companies to watch at London Blockchain Week 2019

When the App Store first debuted in July 2008 it featured just 500 apps – a decade on that figure has soared to a staggering 2 million. Not only did apps entirely transform how we use our phones, but also how we interact with the world around us, with many of the apps launching today reflecting trends in how we interact with each other and go about our daily lives.

In an increasingly crowded landscape for apps and online platforms, a key aim for us has been helping our clients get in front of the right audience – be it everyday consumers, potential partners or industry experts.

One of our key case studies in this space is AndCo, a new workspace platform that is transforming spaces in independent cafés, restaurants and pubs across London into co-working hubs. Co-working spaces now account for over 21% of office space in the capital – so we worked closely with AndCo’s team to devise a PR strategy which raised awareness of the platform’s unique model and its affordability in comparison to traditional co-working offerings.

Launch & Funding

 We began by officially announcing AndCo’s launch and seed funding simultaneously, focusing our efforts on raising awareness of the platform in technology and trade publications.

The PHA Group - AndCo case study, a selection of coverage

Business profile

 Harnessing the story of AndCo’s founder Sanj Mahal – who had developed the idea for the app with his wife while they were both working from their central London home – we were able to bring the story behind the platform to life. We went on to secure a series of top-tier interviews for Sanj to discuss why he decided to set-up AndCo, as well as the benefits for freelancers, and the pubs, restaurants and cafes that they partner with.

The PHA Group - AndCo case study, a selection of coverage

Features & Round-ups

 We also engaged with leading journalists at national and consumer titles, to secure the inclusion of AndCo in app of the day slots, round-ups, wider lifestyle features and money-saving pieces.

The PHA Group - AndCo case study of coverage achieved

In six months, we secured AndCo over 40 pieces of coverage in the national, consumer and trade press. Top national and consumer coverage included pieces in The Evening Standard, City AM, Forbes, The Daily Telegraph and Stylist.

Interested in hearing about how we might be able to help you promote your app or platform? Speak to a member of our award-winning technology team today.

Promoting your app or platform

Earlier this week the Global Cleantech 100 list which is in its 10th year was announced, showcasing the world’s top 100 companies in sustainable technology innovation.

The list is published by research firm, Cleantech Group, who themselves are a company that support the development of clean technologies. The Cleantech Group own the term ‘cleantech’ as a registered trademark, so to be listed by them in the top 100 in the world list, is quite the honour for companies within the industry.

We’ve profiled some of the companies from Europe that made the final list.

Azuri Technologies (UK)

A major player in pay-as-you-go solar products, Azuri technologies provide PayGo solar systems to rural off-grid communities. Their technology has been known to stretch as far as the deepest depths of Africa. Azuri technologies are committed to fixing the problem of energy access for those who are out of reach of the grid. An issue that affects up to 1.3 billion people globally. Through innovation, Azuri has managed to create the solar home systems, which allows individuals to pay for solar power on a pay-as-you-go just the same as they would do to top up their mobile phone.

Black Bear Carbon (Netherlands)

Using a unique formula, Black Bear have managed to create a revolutionary process of extracting valuable materials mainly carbon black, from used tires which can then be used in the production of new products such as fresh tires, technical rubber products, plastics, paint and ink. Alongside this from the process an important bi-product is green energy, which is a form of high calorific gas and oil which can be converted into heat, electricity or steam. Black Bear have plans to resolve this issue for every country in the world. We’re excited to see how they progress.

BBOXX (UK)

Meet the Chiswick based tech firm that has developed a solar plan to power much of Africa. To date BBOXX has deployed more than 150,000 solar systems and helped nearly 1 million people across 35 countries. BBOXX is working towards improving customer’s quality of life through affordable, clean energy solutions. Their aim for the future is to expand and be able to provide other vital utility services such as cooking, internet access and water. At the heart of the business is a management platform called Pulse, which continuously monitors and collects data enabling BBOXX to reach previously remote locations.

EasyMile (France)

Founded in 2014, EasyMile is one of the leading companies that specialise in autonomous vehicle technology. With experts in robotics, computer vision and vehicle dynamics, the France based company have created revolutionary driverless vehicles which have been introduced to 20 countries around the world. Currently EasyMile have three products on the market including the EZ10 Driverless Shuttle which can carry up to 15 passengers at a time, whilst being supervised by EasyMile’s fleet management software.

Moixa Technology (UK)

The UK’s number one home battery business and platform for managing storage services. Moixa’s ground-breaking smart energy management software helps renewable energy work (yeah you guessed it) smartly, for both individuals and businesses. The smart battery and Solar Panel system that Moixa have created could save you up to 60% on your energy bills every year! Watch out for Moixa as we expect 2019 is going to be a big year for the smart tech firm.

Sonnen (Germany)

Take your relationship with energy into your own hands. The sonnenBatterie isn’t just like any other battery, it’s an intelligent storage system that automatically regulates the energy usage in your household. In conjunction with solar panels the sonnenBatterie will enable you to supply yourself with clean energy. The bonus of using a Sonnen system is that you make yourself independent and self-sustainable and become protected against any future rising energy prices. Sonnen have also tried and tested their batteries and declared that all their batteries have a minimum lifespan of 10,000 charging-cycles. So, you can rest easy knowing that you’ll be supplied with clean energy for many years to come.

If you would like to find out more about how PR or social media support could connect you to your stakeholders and audience, please get in touch today. We have a host of expertise when it comes to product promotion, business profiling and working with groundbreaking businesses.

Europe’s cleantech businesses that are leading the way

2018 was a mixed bag for the world of blockchain and cryptocurrencies. Bitcoin burst its bubble, sending prices plummeting below $4,500 in November, and confidence in the whole market along with it. We became more sceptical of ICOs, despite $6.3 billion being raised through ICO funding in the first three months of the year alone – more money than what was raised in the whole of 2017 according to Coin Desk.

We also started to see an acknowledgement that blockchain is not synonymous with cryptocurrencies. While there were no breakthroughs of blockchain being used by the masses in 2018, we did see more blockchain-based solutions coming to the fore across a wide range of industries – and not just in finance.

In an industry where things seem to change on a daily basis, it’s hard to make concrete predictions on what 2019 will bring. But there are a few things that have been simmering away that are bound to come to the surface over the next 12 months. Here we’ve outlined our musings on what those will be.

Regulation

Undoubtedly one of the biggest trends of the last year was the growing call for widespread regulation of the industry. From cryptocurrencies to ICOs and Security Token Offerings (STOs) to blockchain-based “solutions”, the complete lack of repercussions for dodgy dealings or failing to follow through on whitepaper promises has led to thousands of people being scammed out of their hard-earned money.

In 2019 we will see governments finally publish their verdicts on what kind of regulation needs to be put in place and even perhaps made into law. The UK Government released the final report from its Cryptoassets Taskforce in October, which lays out its path to establish the UK’s policy and regulatory approach to crypto assets and Distributed Ledger Technology (DLT) -more commonly known as blockchain. China, the USA, Korea and many other countries are also working on bringing regulation into force and it’s probable that by the end of the year at least one territory will have its regulation in place.

Real use cases

What’s been lacking in the industry for quite some time now are real-life use cases of blockchain. However, many companies have been quietly working away to get data points and case studies of how the technology actually solves real problems. Hopefully, we will start to see less hype and more hard work, with companies sharing what their blockchain solutions can actually do rather than what they hope they will be able to.

Stablecoins

If there’s one thing this industry is known for, it’s wild volatility. However, there may be a solution to this major barrier to widespread consumer adoption – stablecoins. Pegged to another stable asset, such as gold or a fiat currency like sterling, stablecoins make the most of the decentralised benefits of cryptocurrencies while having much lower volatility. They mean that we could pay for things using digital currencies on a practical day-to-day basis. Also, as such stable digital currencies are easily trackable on a public ledger, the risk of fraud and identity theft is reduced. With more stablecoins being created, we’re likely to see one really take off in 2019.

More stability

With regulation firmly on the horizon, we will naturally see a culling of blockchain and cryptocurrency companies over the next 12 months. Those nefarious businesses out to make a quick win will undoubtedly come up short, along with those that simply don’t have a good enough long-term business plan. As a result, there will be less propping up of badly managed companies, which ultimately will be a good thing in the long run. This increase in instability will lead to less volatility thanks to a decrease in companies flooding the market. With the much-needed death of hundreds of small cryptocurrencies and tokens, we’ll also likely see more stability in the crypto assets trading market.

Interoperability

One of the main problems with blockchains currently is that they can be difficult to scale and link up with other blockchains and technology like IoT and AI. However, with the exponential growth of connected devices and the use of biometrics becoming increasingly more common, we will start to see a real convergence of blockchain with these technologies. A report by IDC predicted that 20 per cent of IoT devices will have blockchain services installed by the end of 2019. Not only will this bring completely unchartered opportunities to create new business models, it will also lead to consumers using the tech without consciously having to think about it; something that has been key in encouraging take-up of all previous revolutionary technologies.

Are you looking to crack the blockchain market in 2019? Get in touch and see how we can help tell your story.

Top 5 Blockchain Predictions in 2019

Historically, technology-heavy places such as Silicon Valley, Seattle and Washington have helped America become the go-to nation for cutting-edge technology. Budding entrepreneurs would commit to moving to the states to follow their dreams and work alongside like-minded colleagues.

But what if they don’t need to move to America? Over the last few years, London has emerged as a major financial capital for emerging technologies like blockchain and AI.

Savvy entrepreneurs in the industry have wised up and started to follow the trend, moving their blockchain focused startups to the UK. A mixture of more relaxed regulations, better access to capital and global banking systems and a stronger law system than in the US, are some of the main attraction for setting up shop here in the UK.

We take a look at five blockchain companies based in London that are ready to take the capital by storm.

DADI

The organisation taking the fight to the monopolising big firms over cloud services. DADI promise fast, secure and affordable web services on a decentralized cloud system. Users can look forward to being able to build, store and access content on the DADI network all while saving an estimated 50 – 90% on price compared to the likes of Amazon, Microsoft and Google.

Medicalchain

Looking to revolutionise the healthcare industry is Medicalchain. A decentralised platform, it allows patients to create a user-focused electronic health record that can be sent directly to multiple physicians for online consultations. Medicalchain promises no privacy will ever be lost and is dedicated to empowering patients and improving outcomes.

VChain Technology

Nobody likes standing in queues at the airport, especially not the CEO of VChain, Irra Ariella Khi. That’s why the startup has focused its attention on creating a system that will allow people to ‘glide through’. VChain connects each human to a digital identity as unique as their DNA. VChain believes this will help airlines and governments immediately verify people’s identity; which is done by instantaneously examining the reputation of your travel documents against a distributed database.

 BitTicket

Whether it’s for a sellout football match or once in a lifetime Ed Sheeran tickets, ticket touting has become an epidemic in recent years. Event organisers have found it extremely tough to regulate authentic tickets, especially on a large scale. In one of the first real-world applications of blockchain technology, BitTicket intends to put an end to ticket touting. They don’t want to disrupt the industry but simply become part of the buyer’s journey and provide greater security. Users can have confidence that their ticket is genuine even if it’s purchased from a stranger.

Elliptic

Run by former law-enforcement agents and computer scientists, Elliptic is here to reveal the truth behind Bitcoin activity. The Elliptic software can be found in some of the world’s largest banks and Bitcoin exchanges, monitoring billions of dollars in transactions every month. The software itself is used to identify and investigate Bitcoin’s role in cases of terrorist financing, arms trafficking, blackmail and child pornography. These are the people who find the truth in data.

If you would like to find out more about how PR could connect you with the right audience for your blockchain offering then please get in touch with us today.

London: The US’s rival blockchain hub and who to watch out for in 2019

Do you need help reassessing your finances? Want to know how you can make some savvy savings? We’ve taken a look at the best tools around that will help get your finance back on track.

Plum

Driven by Artificial Intelligence, Plum is on a mission to make users financially better off by helping them to save via a Facebook chatbot. It connects to your bank accounts and its algorithm analyses your spending patterns to work out how much you can afford to set aside each month.

Bank grade secure and able to connect to and analyse any UK current account, the Plum algorithm understands spending patterns, identifies income and bills and creates a unique profile for each one of its users. Then, every few days, it will calculate a small and safe amount of money to save, which is transferred to an individual’s Plum savings account.

In addition to savings, Plum offers an investment tool as well as a solution which spots when you are paying too much for things like credit or utilities – a common problem among millennials in particular. As part of this, it offers an energy switching solution, in partnership with green energy company Octopus, to initiate the switch on your behalf and make the whole transition totally seamless.

Emma

Emma is of the leading banking apps, targeted primarily at for millennials, designed to help them avoid overdrafts, find and cancel subscriptions, track debt and ultimately save money.

The London-based company closed a £420k seed round in July last year.

The free app enables users to manage their bank accounts, set budgets and track recurring payments, and users can benefit from additional services through Emma Pro for a small monthly subscription fee.

The app’s ultimate aim is to “democratise the private wealth manager”. It’s a competitive, saturated market though – competitor financial aggregators include Cleo, Yolt and MoneyDashboard – Emma has done well to stay ahead of the curve through bringing complete transparency to the lives of millennials.

Bean

Amidst a plethora of money management apps hitting the market at the same time, Bean has decided to differentiate itself by focusing on helping users effectively manage their bills and subscriptions to save money.

Once connected to your bank account, Bean tracks and manages your bills and subscriptions – such as water and energy – and will let you know if there are better deals available with other providers. It can even help you to cancel a contract for a service you no longer require – often a laborious process.

Bean describes itself as “the future of household budgets”, letting you compare deals on all of your household bills, cancel any unwanted subscriptions and track your payments across every account, all from within one clear, easy to use dashboard.

MoneyBox

You can’t write a summary piece like this without including MoneyBox. The company announced a £14m Series B round in July 2018, bringing its total raised to £21.3m – truly a market leader.

Moneybox was set up in recognition of the fact that traditional wealth management is predominately only suitable for those who have sizeable wealth already. The younger generation are growing up without any knowledge or support on how to grow their own financial future through savings and investments.

In short, Moneybox rounds up your everyday purchases to the nearest pound and invests the spare change for you. Where the money goes can be anything from an investment account to a tax-efficient stocks and shares ISA, Lifetime ISA or Junior ISA.

With as little as £1 to get started, your spare change can be invested in stocks and shares across the globe via index tracker funds, offering a tailored approach based on the risk profile you set yourself – cautious, balanced or adventurous.

Chip

The Chip app uses artificial intelligence to analyse your spending and save a small amount of money each week.

Chip is putting an end to ‘boring’ saving habits like putting aside a set amount of money each month just for the sake of it…instead, Chip wants you to focus on saving for something you really want to buy, e.g. booking a holiday or saving for a wedding.

The clever part is that Chip uses AI to analyse your spending and make relevant savings for you and, crucially, put aside the right amount of money in response to the reality of your everyday spending habits.

By automatically calculating how much you can afford to save each week, Chip is turning the UK into a nation of savvy savers without them even realising it.

Squirrel

Squirrel describes itself as ‘the simple way to create then stick to a budget’. Ideal for those of us who are intent on starting January as we mean to go on.

The app sets up a second bank account for you – with Barclays – which you pay your salary into. It then splits your incoming cash into three categories: commitments, spending and savings.

To help you pay your bills on time, the app releases the money back into your account the day before each bill is due – meaning that essential money for bills is kept safe until needed.

While all of this is happening, your spending money is drip-fed into your account in weekly instalments. You can also set budgets for other commitments, such as travel, each week.

Unsurprisingly, such a compressive management tool isn’t completely free – you get two months free and then pay a £9.99 monthly fee for continued use.

Onedox

Onedox describes itself as the smart way to manage all your household bills, securely, conveniently, for free.

The London-based company is on a mission to revolutionise the admin of paying and managing bills for households across the UK.

In December 2018 Onedox announced an exciting partnership with Starling Bank, which has integrated the solution into its in-app marketplace.

Starling Bank customers can now view their household bills, set reminders and receive personalised opportunities to save on household bills within the Starling app.

Also known as ‘the digital PA for households’, Onedox has already helped more than 16,000 families (there are 54,000 household accounts linked to Onedox) manage their bills more effectively.

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It’s time to get your finances in order – these 7 tools will help

Bored of making optimistic New Year’s resolutions, only to give a couple of days or weeks later? You’re not alone. According to U.S. News, approximately 80% of resolutions fail by the second week of February. Thankfully for you, we have done some digging, and gathered together the best fit-tech out there, that will guide you on your way to reaching your goals next year.

Simple Habit

Eager to start the new year off right by embarking on a new path towards mindfulness? With meditation guides in the form of some of the world’s best teachers, mindfulness experts at Google and even former monks, Simple Habit guarantees meditation education of the highest calibre. With the handy ‘On-the-Go’ feature, the app is particularly suited to people who think they’re too busy to keep up with their ambitious New Year’s resolutions. This feature allows you to quickly calm your nerves or anxiety on the spot, with short five-minute meditation sessions.

C25K

The idea behind C25K is simple and brilliantly effective. The aim is to get people who have never run before, off the couch and getting fit. With an easy program aimed specifically at beginners, by the end of the eight weeks, participants will be able to achieve their goal of running 5k. The workouts are 30-40 minutes long and incorporate a mixture of walking and running, making it feasible and bearable even for the most run-phobic of us all. All these features are accompanied by a handy audio coach, getting you through those tough moments.

Find a Player

Moving home in the new year? Short of a player for your next big fixture? Look no further than this ingenious app ‘Find a Player’, a multi-platform app designed to take the pain out of organising and finding players for sports games and events. Coined the ‘Tinder for sports’, this app is a unique way to build your social network, as well as connecting all for the love of sports. The company won ‘Best Start Up App Company’ at the 2018 Sports Technology Start Up Awards, and if you are determined to up your sport participation next year, this is the perfect technological companion.

8Fit

If you, like the majority of the population during the dreary month of January, are keen to lose the holiday weight, 8Fit is a great companion to help you along the way. With exercise programs and meal plans, you are guided along the way, with no aspect left forgotten. Daily challenges and motivation tips, plans tailored specifically to your needs, and short snappy 5-15-minute sessions, this app will be your best friend this new year.

Have you achieved the results you wanted this festive season? Do you need help promoting your business or application? Speak to a member of our team today to find out how we can help you achieve your long-term goals.

The fittech gadgets that will help you achieve your New Year’s resolution