FINANCIAL ESSENTIALS

Cash App finished the year in first place in the Finance charts, and was barely challenged all year long. This versatile app can be used to send and spend money and even buy Bitcoin, if that’s your thing. The notifications within the app will remind you to take invoices and paychecks to the bank, as well as put you in touch with relevant offers and discounts for products that you can buy with Cash App.

At the end of its first full year in the charts, Square Point of Sale (POS) has made it easier for millions of small and independent businesses to accept card transactions for their products and services. Customers can pay, tip and even sign on their iPhone, and users see funds deposited fast and securely, while the payment and service bought is logged and archived for efficient bookkeeping. The only hardware required is Square’s small, unobtrusive Square Reader, which can also be easily synced with receipt printers, bar code scanners and cash drawers.