Oval lets users save through smarter means: they can round up purchases to the nearest pound or put aside a percentage or fixed amount every time they make a particular type of purchase.

Launched by the former CEO of Uber Italy, it raised £1.3m in April, 60 per cent of which came from individual investors on Crowdcube where it hit its initial goal of £500,000 within 72 hours. 

Last year it launched a first-of-its-kind integration with Facebook, allowing users to contribute to their savings each time they post on social media.

Click here to see more of 101 FinTech Disrupters.