# Mobile Finance Monetary tracking allows consumers to track funds in an efficient manner. By [Tana Makmanee](https://www.trendhunter.com/tmak), SVP, Research Services at Trend Hunter | Published Feb 4, 2014, updated Apr 9, 2014 | Category: [Tech](https://www.trendhunter.com/pro/category/technology-trends-and-gadgets) Source: Trend Hunter, https://www.trendhunter.com/protrends/mobile-monitoring ## Key Figures - Trend score: 3.4/10 - Evidence articles: 4 ## What is the Mobile Finance trend? **Mobile Finance:** In a post-recession era, consumers are more paranoid about their funds than ever, turning to high-tech devices to make finances easier to track. Online charts and spending apps cater to individuals who may not be well-versed in the realm of money management, yet are looking for ways to record their monetary habits. This creates a level playing field in the world of money management, while satiating a consumer need to feel in control. ## At a Glance - Evidence: 4 featured examples - Articles from: Feb 24, 2013 to Jan 19, 2014 - Published: Feb 4, 2014 - Patterns: [Convergence](https://www.trendhunter.com/pattern/convergence), [Reduction](https://www.trendhunter.com/pattern/reduction) - Megatrends: [Simplicity](https://www.trendhunter.com/megatrend/simplicity), [Artificial Intelligence](https://www.trendhunter.com/megatrend/artificial-intelligence), [Personalization](https://www.trendhunter.com/megatrend/personalization) ## Audience - Gender: 50% men, 50% women - Primary generations: Millennial, Gen X - Top markets: North America, Europe, Asia ## Themes within the Mobile Finance trend ### Virtual Banking Platforms The rise of virtual banking platforms such as GoBank that eliminate the need for physical bank branches creates an opportunity for disruptive innovation focused on creating more accessible and user-friendly online banking experiences. ### Digital Loyalty Cards The trend of scannable rewards card apps like Stocard opens up opportunities for companies to streamline their rewards programs, while also providing users with a simpler way of managing their reward points. ### Real-time Budget Trackers The trend of personal spending monitoring apps such as Level Money and Money Wallet creates an opportunity for disruptive innovation focused on simplifying the process of budgeting, tracking and monitoring personal finances. ## What the Mobile Finance trend means for industry ### For Banking The virtual banking trend highlights disruptive opportunities for companies to revamp the traditional banking experience and create more accessible and user-friendly online banking experiences. ### For Retail The digital loyalty card trend highlights opportunities for retailers to streamline their rewards programs, while also providing users with a simpler way of managing their reward points, driving customer engagement and loyalty. ### For Personal Finance The real-time budget trackers trend highlights opportunities for companies to simplify the process of budgeting, tracking and monitoring personal finances and optimizing user experience through seamless integration with other useful financial tools. ## Trend signals for Mobile Finance Trend score 3.4 out of 10, from popularity 64%, activity 31%, freshness 8%. - Popularity: 64% - Activity: 31% - Freshness: 8% ## Examples of the Mobile Finance trend 4 featured examples from Feb 24, 2013 to Jan 19, 2014. - [Cheque Depositing Mobile Banks](https://www.trendhunter.com/trends/gobank): The GoBank Platform Eliminates All Traditional Banking Practices (Category: Business) Implication: The banking industry is being disrupted by virtual banking platforms like GoBank that offer a seamless banking experience without physical bank branches. - [Scannable Rewards Card Apps](https://www.trendhunter.com/trends/scannable-app): Stocard is a Scannable App That Lessens Your Wallet's Load (Category: Tech) Implication: Retailers can leverage scannable rewards card apps to enhance customer convenience and engagement in their loyalty programs. - [Personalized Finance Trackers](https://www.trendhunter.com/trends/money-wallet): The Money Wallet App Helps to Keep Budgets and Accounts Balanced (Category: Tech) Implication: Opportunities for developers to create personalized finance apps that offer features like account aggregation, budgeting tools, and reminders for scheduled transactions. - [Personal Spending Monitoring Apps](https://www.trendhunter.com/trends/level-money-app): Budget Your Money with the Level Money App (Category: Tech) Implication: Disruptive innovation opportunity: Develop a personal finance app with features that go beyond budgeting tools, such as investment tracking, debt management, and personalized fina… ## Recent trend clusters - [Delegated Interfaces](https://www.trendhunter.com/protrends/delegated-interfaces) (Tech) - [Adaptive Controls](https://www.trendhunter.com/protrends/adaptive-controls) (Tech) - [Desk Systems](https://www.trendhunter.com/protrends/desk-systems) (Tech) - [Spatial Refinement](https://www.trendhunter.com/protrends/spatial-refinement) (Tech) ## Trending in Tech - [Decor-Led Home Projectors](https://www.trendhunter.com/trends/decor-led-home-projectors) - [Accessible Fintech Pop-Ups](https://www.trendhunter.com/trends/chequing-account) - [Dual-Wavelength Recovery Wearables](https://www.trendhunter.com/trends/joint-therapy) - [Pop-Culture WiFi Routers](https://www.trendhunter.com/trends/pop-culture-wifi-routers) All articles: [Tech](https://www.trendhunter.com/tech)