FinTech

Financial technology (FinTech) is the new technology and innovation that aims to compete with traditional financial methods in the delivery of financial services. FinTech is a new industry that uses technology to improve activities in finance. Some of the best FinTech includes smartphone apps.

Drop App Review – Earn Cash Back on Your Everyday Purchases

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**This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links. There are plenty of personal finance apps and browser extensions designed to help consumers save more money. However, few apps have the seamless user experience and popularity of Drop. Drop is a free savings app with more than one million users who have earned over one billion points and redeemed over $3 million worth of rewards. This flexible, intelligent mobile app functions as a consumer’s wallet-saver. By linking your credit or debit card to your Drop account, you can earn points and redeem them for rewards within a few days of completing your purchase. As long as you’re 16+ years … Read more

Qube Money the Digital Envelope App Review – The Simple Budgeting App

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Qube Money (formerly ProActive Budget) is an online digital bank and budget app that digitizes the cash envelope system. Have you wanted to try the cash-only budget method, but you’ve held back because of the impracticality of using only cash in this digital age? If so, then a new app called Qube Money Digital Envelope might be the solution you’ve been waiting for. The way Qube Money works is fairly simple. You transfer funds into your Qube Money account whenever you get paid and determine how those funds should be allocated into different expense categories before you ever make a purchase. When you use your Qube Money card at checkout, the amount you spend is deducted from your available balance in … Read more

Steady App Review – How to Find Work and Get Paid for Side Hustles

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One of the best parts of the gig economy is that pretty much anyone with access to a smartphone and some useful skills can make money on the side without going through an extensive interview process. Whether you’re a working college student, full-time employee who needs to supplement their income, or a retiree who wants to find new ways to financially support yourself in your post-career golden years, you could find a wide variety of paying gigs through an innovative app called Steady. If you’ve been looking for opportunities to jump-start your finances with an additional income stream, then Steady might be just the app you’ve been waiting for. Steady App Review Available Gigs There are plenty of options out … Read more

Payitoff.io Review–The App that Motivates You to Pay Off Debt

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You’ve probably already heard all the shocking facts and statistics about student loans nowadays. There’s a $37,000+ average debt load per graduate, hundreds of thousands of graduates in default on their repayments, family members struggling to help students repay their loans, student loans forcing people to forgo homeownership and even starting families. Enough is enough. Instead of getting too caught up in the bad news, let’s start focusing on some realistic solutions. That’s what Payitoff.io wants to do. Their goals is to help college graduates and their families make the savviest financial decisions regarding their student loan repayments. Even if you made mistakes on your FAFSA, borrowed more than you needed, or can’t keep up with your current payments, Payitoff.io … Read more

Joany Review – The Easiest Way to Get Health Insurance

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Health insurance is an incredibly complicated issue, especially if you aren’t completely covered by your spouse or employer’s health insurance policy. When it comes to making health insurance more affordable, the issue gets even more challenging for consumers. That’s because the markets are so volatile and premium prices seem to rise faster than individuals’ incomes can keep up with. Fortunately, there’s a health concierge out there that wants to simplify the process for you and find the best coverage at the best price possible for your unique health needs, and that’s Joany.   Originally known as Impact Health, Joany leverages data analysis and predictive models to make it easier for consumers to navigate the health insurance marketplace. The company was … Read more

What Is a Hybrid Robo Advisor? And Why You Should Invest with One

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Over the past few years, fintech has transformed the finance industry as we once knew it. Historically, only the most experienced financial advisors were worth getting investment advice from. Nowadays, finance researchers and even computer algorithms are viewed as some of the best sources of credible financial advice for novice and seasoned investors alike. Some of the greatest fintech developments in recent years have been robo advisors and peer-to-peer lending platforms. Robo advisors are computer algorithms designed to optimize customers’ investments and allocate funds into a spectrum of portfolio types ranging from very conservative to very aggressive, depending on an individual’s age and purported investment goals. You’ve probably already heard about major robo advisors like Betterment, but what about the … Read more