When it comes to investing, many procrastinate. Others complain they just don't have enough money. Now, fintech like Appreciate, Myjar and NiyoX help you invest small sums of money; what is usually small change.

These apps seek permission to link your text messages and your bank accounts. You need to fix a rounding figure. The app keeps an eye on your bank account transactions or text messages on which you get notifications for any spends done, either through a credit or debit card or even UPI. The difference between the rounding figure multiple and the actual amount spent, gets invested. Investments get made in mutual funds or digital gold.