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6k views | posted on October 11, 2017

technology and money have always been intertwined. From the early days of barter to the development of currency, technology has played a role in how we exchange value.

In recent years, the relationship between money and technology has become even more important. The rise of digital currencies like Bitcoin and the popularity of mobile payments have made it easier than ever to send and receive money without using traditional banking infrastructure.

At the same time, new technologies are making it possible to create entirely new types of financial products and services. From peer-to-peer lending platforms to digital wallets, there are a number of innovative ways to use technology to make money.

Whether you’re looking to save money on your next purchase or you’re interested in earning interest on your savings, there’s a good chance that there’s a financial technology product that can help you out. Here are just a few of the many ways that money and technology are changing the way we live and work.

1. Mobile Payments

One of the most visible ways that money and technology are intersecting is in the area of mobile payments. A growing number of businesses are now accepting mobile payments, and there are a number of different ways to make a payment using your smartphone.

Apple Pay, Android Pay, and Samsung Pay are all popular mobile payment platforms that allow you to make payments using your smartphone. You can also use apps like Venmo and PayPal to send money to friends and family.

2. Cryptocurrencies

Cryptocurrencies like Bitcoin have been getting a lot of attention in recent years. These digital currencies use cryptography to secure transactions and to control the creation of new units of the currency.

Bitcoin is the most well-known cryptocurrency, but there are a number of other popular options like Ethereum, Litecoin, and Monero. Cryptocurrencies are often used as an investment, but they can also be used to purchase goods and services.

3. Peer-to-Peer Lending

Peer-to-peer lending platforms like Lending Club and Prosper allow individuals to lend money to each other without going through a traditional bank. These platforms typically offer lower interest rates than credit cards, and they can be a good option for borrowers with good credit.

4. Digital Wallets

A digital wallet is a software application that allows you to store your financial information, like credit card numbers and bank account information, in one place. Many digital wallets also allow you to make mobile payments.

Apple Pay, Android Pay, and Samsung Pay are all examples of digital wallets. These platforms typically use near-field communication (NFC) technology to make payments.

5. Robo-Advisors

Robo-advisors are online platforms that provide automated investment advice. These platforms use algorithms to create portfolios based on your goals and risk tolerance.

Betterment and Wealthfront are two popular robo-advisors. These platforms can be a good option for investors who want to save time on research and who don’t mind paying a small fee for professional management.