Applications that help individuals understand their income, expenditure and overall financial position.

Solutions may categorize transactions, track recurring bills, establish budgets, identify spending patterns or consolidate information from multiple financial accounts into a single view.

The most useful products go beyond displaying historical transactions, helping users recognize what is happening with their money and make practical adjustments to their day-to-day financial behavior.

Technology designed to help consumers put money aside and make progress towards personal financial objectives.

Applications could include automated savings tools, savings accounts, round-up features, goal-based saving, emergency-fund tools or systems that identify appropriate opportunities to save based on an individual's cash flow.

Products may support short- or medium-term objectives ranging from building a financial buffer to saving for a deposit, education, travel or another significant expense.

FinTech that improves how individuals access, understand and manage borrowing.

Solutions could cover personal loans, credit-building products, alternative credit assessment, affordability tools, credit marketplaces or services that help consumers understand their credit profile and available borrowing options.

Entries should demonstrate how technology contributes to a more transparent and manageable borrowing experience, particularly where data or new approaches to assessment can better reflect an individual's financial circumstances.

Technology supporting consumers who need to understand, organize or reduce existing debts.

Products may consolidate information about different obligations, track repayment progress, prioritize debts, model repayment strategies or connect users with appropriate forms of assistance.

Solutions could also identify early indications of financial difficulty and provide relevant tools or guidance before missed payments and mounting charges make the situation more difficult to address.