Episode 15 of Millennial Money Matters focuses on Yolt, a money management app that's owned by Dutch bank ING. Yolt sits on top of a user's existing card and bank accounts, giving them a consolidated overview of their finances. The app then produces actionable insights, such as recommending that users switch between energy providers if they're overpaying on bills. These recommendations are powered by partnerships with other fintech firms. What's interesting about Yolt is that its ambitions span beyond simply wanting to encompass traditional bank accounts: the management team are also keen to sit above the Monzos and Revoluts of the world, if they're able to connect to them.