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The U.S. housing market is in the midst of a generational transition. White, non-Hispanic households, which have historically accounted for the majority single-family homeowners and the bulk of housing-driven generational wealth, are aging out of their prime buying years. Meanwhile, racially and ethnically diverse populations are expanding rapidly, especially in the 26-40 age range, the peak years for household formation.

But he also recognises security and privacy issues and the dangers that those "who are not digitally literate can easily be scammed".

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Period poverty is also an issue in the UK, with three in 10 girls not having access to menstrual hygiene products, according to World Vision UK.

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