This collection of the top 2015 credit crunch trends demonstrates the control that many consumers are taking over their personal finances with the help of technology.
While money-managing apps are nothing new, 2015 did see many unique innovations within this realm emerge on the market. Social banking apps, asset management platforms and even health food budgeting tools are enabling consumers to keep better track of their money in all areas of their life.
2015 also saw the emergence of co-sharing living and working spaces. Entrepreneurs and freelancers who need office space but can't afford to finance their own office are able to join organizations that offer working and meeting space for a monthly subscription.
Trend Hunter's 2016 Trend Report offers most examples of the top 2015 credit crunch trends as well as additional research on this topic.
Top 50 Credit Crunch Trends of 2015
50
Urban Co-Living Spaces
The 'Common' Start-Up Opens Its First Communal Home in High-Priced NYC
49
Frugal Financial Guides
This Infographic Lists a Variety of Ways You Can Stop Wasting Money
48
Modular Micro Condos
These Micro Apartments are Part of NYC's Effort to Create Affordable Housing
47
Aspiring Polyglot Apps
This Language Learning App Gamifies the Process of Picking Up Other Tongues
46
Faux Luxury Furnishings
Fancy Flat-Packed Side Tables Imitate Marble and Wood on Paper Surfaces
45
Fast Casual Burger Joints
Silver Lake's Hache is a Must-Try in the Pursuit of the Best Burger
44
Inventive H2O Transportation
The TransWater Project Helps Communities Construct Efficient Carriers
43
Wearable Payment Bands
An Alibaba and Xiaomi Partnership Challenges Conventional Retail Payments
42
Household Advisor Apps
The Fountain App's Experts Assist Homeowners with DIY Projects
41
Swipe-Authentication Systems
Capital One Eliminates Security Questions with a New Mobile Sign-in
40
Cost-Free Travelling Guides
This Infographic Lists Seven Methods That Let You Travel for Free
39
Mobile Banking Ventures
ZenBenx is an Innovative New Service Perfect for Roaming Millennials
38
Debt-Reminding Christmas Ads
This Interac Debit Ad Reminds Shoppers of Credit Card Debt
37
Budget Health Food Tips
CashNetUSA's Infographic on Cheap Healthy Eating Helps You Save Money
36
Bank Branch Pop-Ups
Tangerine's Convenient Bank Branch Pop-Up Wins Over New Customers
35
Money Management Infographics
This Personal Finances Chart Shows Signs You Are Managing Money Well
34
Cashback Shopping Platforms
Shopback Trades Purchases Made Through Its Site for Money
33
Deal-Finding Virtual Assistants
Scout is a Virtual Concierge That Helps Users Save While Shopping
32
Cost-Cutting Retail Apps
Fashalot Offers Retail Discounts When a Shopper Checks in to the Store
31
Easy Budgeting Apps
The Goalkeeper Money-Saving App Helps You Achieve Financial Objectives
30
Convenient Fashion Collections
A Jean Paul Gaultier Fashion Collection Will Be Sold at 7-Eleven
29
Comprehensive Couples' Cookbooks
'One Pan, Two Plates' Contains Inspiration for Cooking for Two
28
Budget-Concious Recipe Books
This Cookbook Outlines How to Eat Well on a Food Stamp Budget
27
Fraud-Preventing Platforms
Startup Smyte is Helping Small Businesses with Online Fraud Protection
26
Contactless Payment Cards
The Reloadable Sweep Card Makes Effortless Touch-Free Payments
25
Educational Digital Kiddie Banks
Bankaroo is an Education-Focused Virtual Bank for Kids
24
Regenerative Eco Currency
BitSeed Proposes the Use of Virtual Money to Plant 1 Billion Trees
23
Kids Financial Literacy Games
'Learning Money with Leo' by RBC Aims to Educate Kids on Money
22
Artificially Intelligent Financial Advisors
This Program Helps Users Devise a Financial Strategy
21
3D-Printed Cryptocurrency
P-YOM Software Lets Bitcoin Consumers Create Their Own Print Money
20
E-Payment Platforms
cVita's LiveSite Online Payment System Caters to Small Business Owners
19
Social Banking Apps
Barclay's Pingit App Lets Users Send Money Via Twitter
18
Canine Origami Campaigns
Beagle Street's Release the Pounds Treats Londoners to Folded £10 Notes
17
Debt-Diminishing Games
Givling Helps Pay Off Student Loans with Rounds of Trivia
16
City Budgeting Apps
The 'Balancing Act' App Lets Constituents Help Balance Their City’s Finances
15
Customized Finance Apps
This App Provides Users with Updates About Their Finances in Real Time
14
Combination Metro Cards
Mumbai Metro's Multipurpose Card Covers Transportation and Payments
13
Income-Balancing Apps
The 'Even' App is Designed for Users Who Have an Irregular Income
12
Gamified Retirement Races
This Campaign Encourages People to Start Saving for Retirement Early On
11
Flight Advisor Apps
Hopper Analyses Flight Prices and Tells You the Best Time to Book
10
Cashless Banking Apps
Australia Commonwealth's CommBank is Optimized for the Apple Watch
9
Shopping Shootout Contests
Visa Has NHL Stars Participate in a Bizarre Hockey Competition
8
Theatrical Banking Commercials
TD's Insurance Ad Features an Anti-Climactic Ending
7
Inexpensive Stock Trading Apps
This App Facilitates Free Stock Trading Using Real-Time Market Data
6
Affordable Fuel Apps
GasBuddy Helps Motorists Find and Share the Cheapest Pumps in the Area
5
Financial Literacy PSAs
This Ad from the Canadian Financial Literacy Database is a Warning
4
Comical Banking Commercials
Isla Fisher Creates a Humorous Brand Endorsement for ING Direct
3
Asset Management Apps
This Platform Offers Private Banking Experience for Ordinary Investors
2
Gamified Payment Apps
This App Changes the Concept of Collections by Educating Consumers
1
Quality Education Databases
The Tool Helps Low-Income Students Apply for Affordable College
Related Ideas
Personalized Coffee Recaps
The 2024 Starbucks Blend Highlights Canadian Coffee Habits
AI-Powered Styling Apps
StyleHack Changes the Way People Dress with AI Style Analysis
Disruptive AI-Finance Chatbots
Origin Financial Wins Big with AI Chatbot for Everyday Finance
AI Resale Apps
Croissant Debuted an Industry-First Shop Now, Sell Later Resale Experience
Viral Social Shopping Apps
The Claim App Helps Gen Z and Brands Authentically Discover One Another
AI Post-Apocalyptic Cities
Top10Casinos Explores the Future, Inspired by the Dune Universe
Informational Real Estate Apps
The Oyssey App Redefines the Home Search with Data-Driven Insights
Same-Day Fashion Rental Deliveries
Hurr x Deliveroo Helps Users Quickly Receive Pre-Loved Styles
Remote Work-Locating Tools
The Remote Worker Helps Digital Nomads Find a Temporary Space to Work
AI-Fueled Finance Apps
The 'Finn' App Can Provide Accurate Responses to Complex Queries
Credit Score Dating Apps
The Score Dating App Requires Users to Have a 675 Credit Score
Next-Gen News Apps
Shades is a News and Culture App for Gen Z and Gen Alpha
Personalized AI Finance Tools
'Tendi AI' is a Personalized Tool Developed by Finance Experts
Credit Score Repair Guidebooks
Credit Repair Solution Guidebook Secrets is a Valuable Resource
AI-Powered Cultural Trend Tools
Huge's Culture Decoder Uses AI to Understand Cultural Trends
Personalized Ecommerce Updates
Google Shopping Introduces a 'For You' Feed for its Ecommerce App
Curated Home Decor Platforms
Cribsi Offers Warm and Modern Home Decor
Blockchain-Integrated Online Banking
Kauri Finance 3.0 Represents an Evolution in Online Banking
AI-Powered Budgeting Apps
Cleo Helps Gen Z Get Their Finances in Order with Roast & Hype Modes
Mobile Plan Breakup Campaigns
Sky Mobile's Breakup Consultant Helps to Free People from Bad Plans
Lifestyle Activity Tracking Apps
The 'Timeline It' App Tracks Virtually Any Activity or Event
Kids' Money Management Books
'The Adventures of Ca$hman & Supersaver' Promotes Financial Awareness
Tech Rebellion Campaigns
Lush is Continuing Its Big Tech Rebellion for Black Friday
AI-Powered Review Insights
Yelp Adds New AI Features for Restaurant-Goers and Owners
Digital Currency Piggy Banks
This 'Smart Piggy' Bank Concept Upgrades a Classic
Financial Coloring Books
Chime Boasts Activities for Financial Progress Month
Financial Challenges Mobile Apps
The Achieve GOOD™ App Aims to Assist Consumers with Debt
Debt Relief Initiatives
Experian Announces a $10 Million Debt Relief for the Hispanic Community
Mindful Smartphone Usage Apps
The 'Intenty' App Prompts Users to Rethink How They Use Their Phone
Social Professional Productivity Apps
The 'LikeMind' App Connects Users to Other Hustlers
AI Self-Improvement Apps
LeapLife Uses Journaling and Other Features to Reduce Stress
Trend Prediction Services
Tagwalk Revolutionizes Fashion Forecasting with a New AI Dashboard
Social Shopping Apps
Locker Helps Users Organize, Share, and Earn from Online Wishlists.
Technology News Summaries
TechTok Helps Readers Stay On Top of News in Five Minutes
Phone Breakup Newsletters
The Guardian's 'Reclaim Your Brain' Newsletter Helps Reduce Screen Time
Fashion Gaming App-Updates
Fashion Gaming App 'Drest' Launches New Update
Pop Culture-Inspired Rentals
Airbnb Unveils the New 'Icons' Experiences for Short-Term Guests
Privacy-Focused Budgeting Apps
The 'Apollo' Personal Finance App Streamlines Money Tracking
Financial Accessibility-Enhancing Cards
iCapital Ventures Launches the Liorcard Titanium
Comprehensive Health Care Suites
Bright Sits on the Intersection of Technology and Health
Real-Time Trending Spot Features
Roadtrippers Introduces the Trending Spots Feature to Its App
AI-powered News Curators
Brief is a News Organizing Tool That You Can Personalize
Digital Taste Profiles
The Shelf App Creates Comprehensive Media Consumption Analytics
AI Personal Finance Tools
WeFIRE Uses AI To Provide Tailored Guidance Through Complex Finances
Comprehensive Health Tracking Platforms
Bright Unifies Health Tracking, Meal Logging, and Wellness
Tech-Powered Business Solutions
Apple Business Connect Leverages the Brand's User Base
Gen Z Anti-Loneliness Funds
Hinge Combats Loneliness for Gen Z - $1M Fund
Pioneering Secondhand Search Engines
Beni Dominates Resale Marketplace with Innovative App
Rewarding AI Shopping Apps
The ShopUp App Revolutionizes In-Store Shopping with AI Data
Reassuring Job Search Tools
YANA Helps Job Seekers Feel Less Alone in Today's Job Market
Personalized Breathwork Apps
FivePointFive Introduces a New Approach to Wellness
Stress-Detecting Wellness Apps
The 'Lume' Stress Management App Guides Users Through Stress
Review Analysis Tools
Appinion Offers AI Insights for App Reviews to Improve Performance
Free AI-Powered Budgeting Apps
'Wilbur' Helps Adults Get their Financials Back on Track
Loneliness-Combating Social Campaigns
Hinge Launches the New One More Hour Campaign and Fund
Chinese Youth Search Reports
Xiaohongshu Has Released Report on Search Habits Among Youth in China
Digitized Life Goal Apps
Buckit Breaks Down Life Aspirations Into Achievable Goals
Engaging Spending Insights
Parcely Finance is Like 'Spotify Wrapped' for Spending Habits
Insightful Fraud-Battling Initiatives
TPAY Addresses Fraud in Mobile Payments
Effective Credit-Building Apps
Kikoff Relies on Targeted Financial Tools to Help Individuals
Early Wage Solutions
Tapcheck Provides On-Demand Pay Access for Employee Financial Flexibility
Social Media Forecasting Tools
WGSN TikTok Analytics Harness Data, Insights and More
Film Industry Networking Apps
The 'BeScene' App Takes a Swiping Approach to Networking
Youth-Focused Financial Literacy Guides
Lakefront Finance Targets Gen Alpha, Gen Z & Millennials
Account-Managing Finance Features
Entrust Launches a New Digital Account Opening Solution
Creator Economy Tool Directories
Creator Economy Tools Offer Over 1,000 Resources
Privacy-First Finance Apps
'Skwad' Helps Users Track Spending Without Linking Bank Accounts
Money Management Platforms
Wealth Calculator Lets You Visualize Your Investment Journey
Personal Shopping Assistants
Klarna Debuts a More Personalized Shopping Feature Dubbed Ask Klarna
BNPL-Backed Credit Cards
Klarna Debuts a New Credit Card with Maximized Savings and 10% Cash Back
Visual Payment Apps
Vizme Turns the Experience of Sending or Spending Money Into Stories
Affordable Lifestyle Directories
'I Have This Friend' Makes Aspirational Living More Accessible
Holistic Habit-Tracking Apps
Polar Habits Eliminates 'Streaks' So Users Can See the Bigger Picture
Sustainable Finance Accelerators
Commerzbank Taps Tenity for a New Sustainable Finance Accelerator
Gamified Budgeting Apps
Bread Budgeting Makes Budgeting Fun By Integrating Challenges
Global Money-Transferring Apps
HSBC Unveils its Inclusive 'Zing' App and Debit Card in the UK
Savvy Personal Finance Platforms
'Savewise' Personal Finance Tools Helps Maximize Every Dollar
Customer Gifting Suites
Grey Bandit's Gifting Suite Gave Customers the Influencer Treatment
Effortless Group Payment Tools
Tabbit Splits Bills Easily with Payment Links Via Any Messaging App
Bill-Splitting Apps
SplitParty Helps Friends Keep Bills Fair and Organized
Crowdsourced Outfit-Picking Apps
Choiced Let's Users Crowdsource Their Outfit Options
BNPL Bank Programs
Marqeta and Credi2 Collaborate to Enhance the Banks' Payment Capabilities
Upgraded Expense Tracking Features
Expensify Extends Its Reach to the Global Self-Employed Market
Credit Score Health Tools
DailyPay's Credit Health Feature Helps Support Financial Wellness
Social Trip-Planning Apps
TripMap Makes Trip Planning Easier with Expense Tracking and More
Effective Productivity Strategies
64Hacks Takes a Community-Driven Approach to Streamline Workflow
AI Finance Tracking Solutions
With the Freelance App Users Can Track Detailed Reports & More
Financial Health Trackers
NetWorthiness Tracks Finances, Sets Goals, and Assess Financial Health
Personal Finance Apps
Spendwell Helps Users Gain Insights into Their Spending Habits
Efficient Property Management Apps
Tribe Property Technologies Has Launched Its Tribe Home App
Group Finances-Centered Payment Apps
Tribe Money Pools is Introducing an Innovative Payment App
African Digital Wallet Platforms
Union54 Launches a New Social Commerce Platform Called ChitChat
User-Friendly Finance Trackers
Flooz Simplifies Budgeting by Tracking Expenses and Finances
Global Money-Managing Apps
Zing Empowers Users to Send Money Internationally, Worry-Free
Habit Tracker Tools
HabitScroll Caters to Those Looking to Adopt New Habits or Break Old Patterns
Goal-Oriented Health Apps
The 'Bright' App Offers a Holistic View of One's Health
Curated Flight Deal Apps
The Going App Offers Expert and Personalized Travel Deals
Kid-Friendly Financial Support Apps
Goaly Offers Financial Lessons for Kids and Their Parents
Media Release Monitoring Apps
The 'Upcoming' App Helps Users Track Favorite Media and Explore
City Exploration Apps
Concrete is a Social Exploration App Inviting Users to Discover Their City
Integrated Business Banking Tools
PennyFlo Streamlines Financial Management for Businesses
Social Isolation-Combating Platforms
TimeBank by Healthfirst Foundation Has Debuted a New Platform
Parental Guidance Shopping Apps
The 'Auggie' App Connects Experienced Parents to New Ones
Empowering Financial Management Apps
Windfall Makes Money Tracking and Management Easy
Mobile Dorm-Designing Features
Pottery Barn Teen Unveils a New Dorm Shop and Expanded Features
Screen-Limiting Phone Apps
Takebreak Encourages People to Have a Better Work-Life Balance
Explorative Entrepreneur Ideas
Hustle Momumtum Invites You to Discover and Launch Side Hustles
Small Group Habit Tracking
Squad Habits Lets Users Join Groups to Stick to Goals
Digital Money Saving Tools
SaveStrike Helps Users Easily Create Wishlists To Curve Impulse Buying
Online Tip Collecting
Tipsme Changes the Way Individuals and Businesses Collect Tips
Unified Financial Management Platforms
'Fina Money' Tracks Personal and Professional Finances
Comprehensive Mental Health Trackers
Mood Wise Tracks Mood, Sleep, Energy, and More
Minimalist Money Management Spreadsheets
The Expense App Let's you Upload Receipts and Documents
Pre-Launch B2B Startup Apps
Faindrr Focuses on Growth and Connections Between new Startup Founders
Aggregated Social Insights
IndiePulse Uses Forum and Thread Comments to Find Your Next Projects
Flexible Payment Features
Jifiti Has Introduced Tap Now, Pay Later™ Technology
Australian Fintech Lending Tools
BeforePay Group Launched 'Carrington Labs' for B2B Lending
Personal Financial Assistants
Timmy Offers Tailored Suggestions to Improve Spending Habits
Travel Budget Management
Manage Your Travel Expenses Effectively with 'My Budget Sherpa'
Community Borrowing Apps
Borrow Encourages Neighbours to Interact and Share
Home Inventory Management Solution
'Bring Order to Chaos' Keeps Track of Your Belongings
Simplified Expense Managers
'Split' Keeps Track of Balances with Friends to Ensure Fairness
Digital Scam Detection Tools
Google is Rolling Out New Tools to Keep Users Safe From Scams
Digital Credit Union Branches
Orlando Credit Union Has Introduced a New Digital Branch
Digital Commercial Payment Apps
Mastercard Unveils the Mobile Virtual Card App for Businesses
Friendship-Focused Finance Agreements
'Friends Over Money' Let's You Make Agreements with Friends
Automated Credit Application Tools
Bectran & Cobalt Collaborate to Battle Credit Application Fraud
Chronic Condition Management Tools
Human Health Tracks Symptoms and Treatments for Optimal Health
Revenue Insights Tools
Track Your Revenue by Country with Where Money’s Stripe Integration
TV-Specific Pop Informants
COVER Emerges as the Essential App for TV Show Aficionados
Group Expense Tracking
Paymeback.lol Does the Math So All Expenses are Even
No-Network Dependent Browsing Tools
Google Unveils the More Helpful Suggestions Feature
Bill Splitting Apps
Splitit Ensures Everyone Pays Their Fair Share Without Confusion or Delays
Africa-Focused Finance Apps
Orange Launches the New Super-App 'Max It' for African Markets
B2B Credit Decision Tools
Krebit Streamlines the Financial Process for Credit Card Applicants
Important Sharing Apps
The FinhApp Let's You Share Wills or Messages with Loved Ones
Income Tracking Tools
Money Tracker Helps Users Stay in Control of Their Finances
Comprehensive Checkout Tools
TreviPay Launches an All-in-One Checkout Solution to Reduce Friction
Personalized Content Discovery Tools
Bread Allows Users To Discover Social Content and Save it
Income Verification Tools
Brags Space Helps Users Display Proof of Income to Build Trust