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#ConversationStarter: Money Apps


There’s no denying that finance apps have come to stay, but do they help you manage your money better?

An article published by BBC last week revealed that global downloads of finance apps hit 3.4 billion in 2018, an increase of 75% in the last three years. Furthermore, the same article says that those who start using finance apps spend on average 7% less in the following six to twelve months. 


Apps can help you see your spending

We’re a digital society with most things at our fingertips thanks to smartphones and tablets. 

Money apps – from banking to budgeting apps – give us instant access to our finances and help us visualise our spending through graphs, pie charts and pots. You can use apps to save, invest and keep track of your pension.


Are you spending more or less?

It would seem that if you use apps to manage your finances, you will spend less. However, the same could be said for giving up your credit cards.  

There’s also something to be said for the convenience of apps, and not necessarily in a good way – Apple Pay and WeChat have made it easier to just press ‘buy’ and think about it later. 


Creative use of tech, but how are you using it?

We’re big Monzo fans at Appt, from a technical as well as a financial perspective. Apps can revolutionise how we go about everyday life, and many of us have found that to be the case with Monzo. We believe apps can help us be more efficient, but it all comes down to use.  

So… do you use money apps and if so, how do you use them?

Line Bjorhovd