For a long time, digital-first customers represented the “young” people who would be the future of the bank or credit union. Today, that is no longer the case. Millennials (25-39 years old) and adult Gen Z-ers (18-24) represent over $3 trillion in spend. Not only are digital-first offerings being demanded by older generations, but the younger generations are well poised to be a profit center for today’s issuers. Millennials are more likely than any other generation to have multiple products with their financial institution and represent over 25% of the US population. In addition to their spend power today, Millennials and Gen Z-ers are expected to inherit $30 trillion of wealth in the coming decade