Quite a lot of behaviors that we attribute to "young people" and consider to be "the future" because a generational cohort is growing up behaving that way.......are just behaviors of the young, and have always been that way. The idea young people are early adopters and the benchmark of what's next, is generally rather limited. Neobanking is an interesting demonstration. To what extent are (mainly) only young people doing it because. 1) They grow up into them and don't need to switch banks. 2) Only the young are targeted and designed for 3) The young just love new tech and new things. 4) The young don't have very demanding financial needs, don't need somewhere they can trust with massive savings, and don't need complex products like mortgages Most have assumed it's mainly 3. I'm pretty sure it's mainly 4. It is of course a mixture of all, but we'd be wrong to make decisions on the assumptions a whole generation of people will act like young people forever …see more