The meaning of money may change as it is tied to our emotions, our communities and our responsibilities in a world that may blame capitalism for inequality and climate change.

The forces acting on ‘Money’ in the future

Among the many possible ways that people’s relationship with money may change in the future, we explore three ways it may align with other concepts to alter perceptions of its role in our lives.

We explore how in-depth quantification of our emotional state may be used to extract more meaningful value from our money or how the quantified value of our ‘happiness’ may be cross-referenced with our spending behaviour and used to assess how happy money makes. It could also be used to manipulate us or even traded as a proxy for money.

We look at how money could be considered a form of national infrastructure that embroils people in a system they may not trust or want to be a part of, and subsequently, could lead to the establishment of new decentralised currencies. These new currencies may help reframe a more complex view of money and what its roles could be in a local economy.

Finally, a globalised society that witnesses the huge opulence of a minority alongside the acute poverty of the majority may establish a growing distaste for wealth and capitalism and turn against the rich. In this context, vast wealth may come to be seen as a consequence of unethical practices and be tied to a responsibility to amend wrongs and promote social or environmental justice.

With these potential forces acting on people’s relationship with money, we explore three hypothetical scenarios: Emotional money, Connected Localism and Wealth Legacy.

These scenarios consist of a future context (that is based on a trend analysis) and a concept of a future person whose experience of money has a large bearing on their happiness. For these future people, we predict needs, desires and future pain points relating to their future context and use this as a basis for the ideation of provocative future concepts that may solve some of the needs of the future person.


Emotional money

AI could advance to levels that would allow sophisticated understanding of people’s emotions. If that information is coupled with financial behaviours or organisational objectives, it could transform how value is assigned to our services and our experiences.

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Service visions


Guru helps you build your well being using your money. First it connects your banks to Guru and gets to know you through a short personality test, and shows you all of your financial information in customisable ways that help you understand how your spending is connected with your wellbeing.
Find out how we ‘Explored the future landscape with the project client’.

Connected localism

Decentralised infrastructures may be adopted by ‘smart’ localised communities to provide an escape route for those who feel that larger, more traditional infrastructures always work to entrap the public.

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Service visions


Offchain is a toolkit for smart localisation that allows it’s communities to connect and access modernity without having to forego their data privacy.
Find out how we ‘Prioritised the societal dimensions related to health and happiness’.

Wealth legacy

In a world facing more and more turmoil and inequality, the super-rich may be held to account for their impact on the world and may be increasingly expected to use their wealth to support people who are disempowered or in peril.

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Service visions


Legacy helps wealthy people understand the impact they have had on the planet and shares the ways they have had a positive impact.

Related to ‘Money’

Proposition Types

Need Commoditisers

The commoditisation of our needs and values to incentivise behaviour change. The advanced digitisation of our lives could result in the quantifying and subsequent unionisation of different aspects of behaviour and the values that drive them.



Spark is a service that helps you discover your financial personality to align it with your consumption and help you make better financial decisions and achieve financial health and wellbeing.

Live Services


Quirk is a personal finance app that helps young people learn about and manage their finances according to their personality and interests so that they can ultimately make better financial decisions that align with their life goals.

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