The foundational playbook of the financial services industry—capture a customer early through traditional onboarding, cross-sell a primary credit or deposit product, and rely on decades of inertia and loyalty to retain them—is experiencing a structural fracture. As Generation Z fully transitions into adulthood and establishes independent economic footprints, they refuse to fit neatly into either the legacy brick-and-mortar branch model or the purely digital, app-only paradigms that defined the rise of early fintech....
