# Coupled Capital Millennials share finances and financial information through tailored apps. By [Joey Haar](https://www.trendhunter.com/joeyisa), Research Writer | Published Oct 24, 2017 | Category: [Lifestyle](https://www.trendhunter.com/pro/category/lifestyle-trends) Source: Trend Hunter, https://www.trendhunter.com/protrends/coupled-capital ## Key Figures - Trend score: 2.6/10 - Evidence articles: 4 ## What is the Coupled Capital trend? **Coupled Capital:** Millennials are a financially fraught generation, but as the demographic ages they are nonetheless sallied with monetary pressures and responsibilities. In order to stay financially secure, Millennial couples are jointly handling the stress by sharing financial information — and finances altogether — through couples-focused apps from fintech startups. These services acknowledge Millennials' anxieties surrounding money while providing a convenient, comfortable workaround. ## At a Glance - Evidence: 4 featured examples - Articles from: Apr 30 to Aug 26, 2017 - Published: Oct 24, 2017 - Patterns: [Convergence](https://www.trendhunter.com/pattern/convergence), [Reduction](https://www.trendhunter.com/pattern/reduction) - Megatrends: [Co-creation](https://www.trendhunter.com/megatrend/co-creation), [Curation](https://www.trendhunter.com/megatrend/curation), [Simplicity](https://www.trendhunter.com/megatrend/simplicity) ## Audience - Gender: 50% men, 50% women - Primary generations: Millennial - Top markets: North America ## Themes within the Coupled Capital trend ### Joint Personal Finance Apps As financial pressure grows for millennials, joint finance apps like 'Honeyfi' and 'Honeydue' create an avenue for couples to manage their finances together, learn about each other's spending habits and budget effectively. ### Cash Wedding Funds Wedding registries are not just about gift items anymore, as The Knot's 'Newlywed Fund' provides a means where couples can customize and enter targeted funding ideas such as funding trips, renovating their home, etc. ### Shared Expense Apps Apps like Acasa eliminate guess-work for housemates to split the costs of utilities, to help avoid conflicts, especially in mixed living arrangements. ## What the Coupled Capital trend means for industry ### For Fintech Joint finance apps open up an avenue for fintech startups seeking to create a secured platform where couples can collaboratively budget, track their spending and save money for their future investments. ### For Wedding and Event Planning Industry As guests are becoming more willing to provide unique gifts, the wedding industry can take advantage of these cash funding new trends. Gift registries will continue to expand into these targeted investment areas where wedding planners can take advantage by adding them as an option. ### For Property Management Industry Shared expense apps present disruptive innovation opportunities for property managers looking to avoid disagreements between roommates, by creating a platform that eliminates guesswork when it comes to splitting bills. ## Workshop question What is the source of your target consumer's greatest anxiety? How could your product or service help to alleviate that? ## Trend signals for Coupled Capital Trend score 2.6 out of 10, from popularity 44%, activity 25%, freshness 8%. - Popularity: 44% - Activity: 25% - Freshness: 8% ## Examples of the Coupled Capital trend 4 featured examples from Apr 30 to Aug 26, 2017. - [Couple Finance Apps](https://www.trendhunter.com/trends/manage-money): The 'Honeyfi' App Simplifies Finances for Couples to Manage Money Easily (Category: Lifestyle) Implication: The FinTech industry has the opportunity to develop new, innovative products geared toward couples that offer personalized spending analysis, budget allocation, and long-term fina… - [Shared Expense Apps](https://www.trendhunter.com/trends/acasa): 'Acasa' Makes it Easy to Split Shared Household Bills and Expenses (Category: Business) Implication: Fintech companies that focus on shared-expense apps, like Acasa, could disrupt traditional banking practices for automating payments among groups of people. - [Couples Money Management Apps](https://www.trendhunter.com/trends/honeydue): Honeydue Helps Couples to Manage the Money Together (Category: Tech) Implication: Fintech companies can leverage the growing need for couples money management apps and develop innovative solutions for better financial management. - [Cash Wedding Funds](https://www.trendhunter.com/trends/the-knot): The Knot's 'Newlywed Fund' Helps Couples Save for Renovations and Trips (Category: Lifestyle) Implication: Essential services and add-ons for wedding planners, such as customizable registry and gift list tools and support, have space for improvement and innovation. ## Recent trend clusters - [Assisted Choices](https://www.trendhunter.com/protrends/weight-loss-medication-support) (Lifestyle) - [Storyline Sips](https://www.trendhunter.com/protrends/themed-drink-menus) (Lifestyle) - [Bedtime Cocoon](https://www.trendhunter.com/protrends/sleep-sensory-blocking) (Lifestyle) - [Source Signatures](https://www.trendhunter.com/protrends/oak-finish-whiskey) (Lifestyle) ## Trending in Lifestyle - [Mystery Packaging Campaigns](https://www.trendhunter.com/trends/cow-not-laughing) - [Multi-Benefit Protein Shakes](https://www.trendhunter.com/trends/comes-in-three-flavors) - [Creator-Led Learning Series](https://www.trendhunter.com/trends/learning-series) - [Accessible Fintech Pop-Ups](https://www.trendhunter.com/trends/chequing-account) All articles: [Lifestyle](https://www.trendhunter.com/lifestyle)