Fintech

An umbrella term for software and digital-service innovations in the financial sector, including online and mobile banking, payments (e.g., Apple Pay, PayPal), budgeting apps, investment platforms, digital wallets, cryptocurrency services, and Buy-Now-Pay-Later products. Fintech has reshaped how people perform moneywork, but digitisation of the financial sector has introduced accessibility issues: friction-free borrowing that hides high interest, constant micro-notifications, passwords and 2FA barriers, and interfaces that assume a single adult account-holder making rational decisions. Inclusive fintech design must address users with cognitive disabilities, intellectual disabilities, autism, ADHD, fluctuating mental health, age-related decline, and users embedded in care networks rather than making purely individual decisions.