It’s fascinating to look at the changes in how we manage money – from the introduction of credit cards in 1946, to the first ATM in 1967, online airline check-in in 1999, and mobile payments in 2011.

We spy an important milestone missing from this infographic … online investing!

As in other industries, people want more control over their finances. They want access, simplicity, and ease-of-use. They might want to talk to a person if they have a question or issue, but mainly, they just want to take care of it themselves and in their own time.

Much has changed since Betterment launched in 2008, and we expect to see more exciting developments in consumer experience in the coming years.

See for yourself how far we’ve come: