Ideas
Explore the world's #1 largest database of ideas and innovations, with 457,535 inspiring examples.
Trend Reports
Discover why 1,230 brands rely on our AI-powered Trend Reports to get better, faster insights.
Newsletter
Join 321,900 subscribers who rely on our weekly newsletter to keep up with need-to-know trends and insights.
How to Hunt
Learn more about how to hunt megatrends, ideas, patterns and opportunity.
Consumer Insights
Uncover major shifts and emerging opportunities with our exclusive PRO research.
Trend Reports
Discover why 1,230 brands rely on our AI-powered Trend Reports to get better, faster insights.
Newsletter
Join 321,900 subscribers who rely on our weekly newsletter to keep up with need-to-know trends and insights.
How to Hunt
Learn more about how to hunt megatrends, ideas, patterns and opportunity.
Advisory & Services
Accelerate innovation and ignite disruptive thinking with our award-winning programs and research.
Trend Reports
Get fast, customized trend reports, presentations and deep dives 20x faster than traditional research.
Plans
Get started today with a free consultation, our self-serve tools, or a dedicated program.
Articles & Magazine
Get inspired with our 4,203 innovation strategy articles, keynote, videos and innovation tools.
Innovation Awards
Trend Hunter’s Innovation Strategy Awards recognize the best innovation tactics gathered from our interviews with some of the world's most notable business leaders, authors and change makers.
Advisory & Services
Accelerate innovation and ignite disruptive thinking with our award-winning programs and research.
Innovation Assessment
Enhance your innovation potential with a deeper understanding of your unique innovation archetype and how your organization benchmarks.
FuturistU
Prepare for the years ahead with 100+ lessons, tactics, tools and frameworks with our full learning database.
Innovation Books
Join 20,000,000 people getting better and faster with our New York Times Bestselling books and keynote videos.
Jeremy Gutsche
Ignite your event or virtual event with our CEO, a NY Times Bestselling Author and one of the top innovation keynote speakers.
Our Team of Speakers & Virtual Presenters
Inspire your group with our most popular speakers on innovation, trends, change and futurism.
Custom Training & Events
Bring the Future Festival experience directly to your team or co-hosted custom event.
Custom Masterclasses
Join the world's leading brands who leverage our custom programs to accelerate innovation.
FuturistU 5-Day Program
Become a Futurist with our immersive 5-Day program at Future Festival World Summit.
Online eLearning
Learn the fundamentals of futurism and trends with 100+ online courses about innovation.
How to Hunt
Learn more about how to hunt megatrends, ideas, patterns and opportunity.
Contact
Get in touch to learn more, ask a question or submit a tip.
About Us
Learn more about Trend Hunter and how we accelerate innovation.
Follow-Us
Join our 3,500,000 social media followers, on the cutting edge.
How to Hunt
Learn more about how to hunt megatrends, ideas, patterns and opportunity.
FAQ
Get answers to common questions about Trend Hunter.
Community
Stay on the cutting-edge with the help of the Trend Hunter community.
Team
Meet the team trusted by hundreds of leading businesses worldwide.
Jobs
Find opportunities to accelerate your career with the #1 Trend Firm.
News
Catch up on noteworthy Trend Hunter news and media mentions.
Join
Build a portfolio and put your trend-spotting abilities to the test.
Advertising
Supercharge your marketing by partnering with Trend Hunter.
Portfolio
Visit your public portfolio and browse your past articles.
Add a Trend
Write up an article and showcase your trend-spotting skills.
My Trends
Edit your articles and see how they stack up on the leaderboards.
Settings
Edit your profile, connect your social media accounts, and more.
Add a trend, customize your dashboard, or track topics.
Future Festival
Innovation Events
Join the world's top innovators at our in person events.
Free Webinars
Learn to innovate through chaos, navigate the new normal and maintain work culture from home.
Custom Training & Events
Bring the Future Festival experience directly to your team or co-hosted custom event.
Search our database of 457,535 cutting edge ideas.

Financial Advisor Apps

'Even' is a Virtual Financial Manager for Stressless Money Management

— August 12, 2015 — Tech
Designed for freelance income earners, 'Even' is a new service that acts as a virtual financial advisor. Even is not like a bank or lender, but instead manages the money that you currently have and earn through an automated program.

An algorithm is used to determine how much your monthly pay is, based on your last six months of income. Rather than adding all the wages and dividing it up by the number of months, the algorithm will give more weight to recent income flows. Using this data, Even will determine your monthly wage and in the future, automate particular deposits into your accounts accordingly.

In a rather simple process, Even can deposit a surplus amount of income into your savings if it rises over the monthly number. Conversely, Even can provide interest free loans for users to reach their monthly wage. To use the service, a smart phone, debit card and a job are required.
Trend Themes
1. Virtual Financial Management - Opportunities for disruptive innovation include creating even more advanced virtual financial management tools that can aid a wider range of users.
2. Algorithm-based Income Management - Opportunities for disruptive innovation include developing advanced algorithms that not only determine monthly wages based on earnings history but can also create additional strategies for savings and investments
3. Automated Savings and Loans - Opportunities for disruptive innovation include creating even more advanced programmatic deposit and loan agreements that can help users manage their money more efficiently and easily.
Industry Implications
1. Fintech - Fintech companies could benefit from integrating algorithm-based income management and virtual financial management tools into their existing platforms.
2. Mobile App Development - Mobile app development companies can disrupt the market by developing innovative apps that can manage income and create new savings/investment strategies.
3. Freelance Employment - Freelance employment platforms can benefit from partnering with virtual financial management services to provide their users with better financial management tools.
0.8
Score
Popularity
Activity
Freshness