Two Birmingham entrepreneurs have developed an 'app' which allows shoppers to load cash onto their phone and send payments to anyone for free.
50 businesses in the city have already signed up to the scheme which has no credit card or bank charge and no additional charge to the user or the business.
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Scattered wintry showers will continue overnight. Clear spells will allow a frost to develop by morning.
It will stay windy overnight and wintry showers will continue to feed across the region, especially in the north and west.
'Stressful' and 'nerve wracking' is how parents think the process for how secondary school places are awarded - but is there another way?