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Best New Ideas in Money

Best New Ideas in Money 2019

Our second annual special report, exploring the innovations that rethink how we spend, save and invest.

Stories will appear here throughout the month of September.


See the 2018 Special Report

In our 2018 edition of "Best New Ideas in Money", we explored the next phase in our financial evolution: the innovations that are rethinking money and unlocking exciting new possibilities.

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Why buying and selling a house could soon be as simple as trading stocks

Artificial intelligence in housing won’t just eliminate Realtors. It could completely change the way we buy, sell and live.

by Andrea Riquier
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How wiping out $1.5 trillion in student debt would boost the economy

Many voters have come around to the idea that the loans are an unsustainable burden.

by Jillian Berman
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Silicon Valley’s final frontier for payments: ‘The neoliberal takeover of the human body’

Ditching credit cards for facial recognition removes the last physical barrier between our bodies and Corporate America.

by Quentin Fottrell
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Why the best person to give you money advice may NOT be an accountant or financial adviser

Starting this year, it will be possible to be officially certified as a financial therapist.

by Leslie Albrecht
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Workers would get money and voting power under this radical profit-sharing idea

Dividend-paying ‘inclusive ownership fund’ offers employees a leg up as the pay gap widens.

by Jonathan Burton
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Why the coming recession could force the Federal Reserve to swap greenbacks for digital dollars

Paper bank notes are being upgraded for a digital future around the world.

by Chris Matthews
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The new technology that could turn small businesses into international companies

Advancements in machine translation technology are helping consumers, gamers and small businesses

by Emily Bary
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The explosion of ‘alternative’ data gives regular investors access to tools previously employed only by hedge funds

Traditional money managers are scouring the world for information to gain an edge as indexing takes over.

by William Watts
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Here are the innovations rewriting the language of money

There is no universal language of money. Our financial system is more a Tower of Babel, built in conflicting dialects that cause unnecessary friction and confusion. But, like languages, money evolves, continuously reshaped...

by Jeremy Olshan
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Here’s what it would take to make college tuition-free

The free-college movement is making inroads, but funding and equality are big stumbling blocks.

by Jillian Berman
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Don’t have a 401(k)? State governments have a retirement plan for you

Ten states, in an effort to head off a crisis, have started IRAs for workers without access to 401(k) retirement-savings plans.

by Alessandra Malito
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The end of the two-week pay cycle: How every day can be payday

On-demand payment companies let you decide when you’re paid.

by Maria LaMagna
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How artificial intelligence could replace credit scores and reshape how we get loans

Alternative credit scores — using data, in part, from customers’ smartphones — will be migrating from emerging economies to the U.S.

by Emily Bary
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This is where cryptocurrencies are actually making a difference in the world

Countries in Latin America and Africa are finding stores of value in Dash, bitcoin, ether and other cryptocurrencies.

by Aaron Hankin
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The next frontier in investing is ‘quantamental’ stock picking

A merger of computing power and human expertise is lowering costs and increasing gains.

by William Watts
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To boost the economy, let’s first change how we measure the economy

GDP, the value of a country’s goods and services, is outdated, which is why economists are devising replacements.

by Rex Nutting
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The ‘sidecar’ plan that could soon be attached to your 401(k)

Emergency-savings plans would help Americans avoid financial crises, as seven in 10 have less than $1,000 in a savings account.

by Richard Eisenberg
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Bio-bonds: A new way to invest in the medical miracles of the future

Karen Petrou is pushing for a funding mechanism that could attract a new crop of investors.

by Andrea Riquier
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Here are the best new ideas in money

In this series we explore the next phase of money’s evolution, profiling 12 ideas with the potential to rethink money, upgrade its operating system and unlock exciting new possibilities.

by Jeremy Olshan
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Teaching people about money doesn’t seem to make them any smarter about money – here’s what might

Financial decision making is hard, but three promising ideas are helping Americans overcome common barriers.

by Philip Fernbach