Many banks have tried to decode the attitudes and behaviors of Gen Z customers, often seeing them as digitally native, yet skeptical of traditional institutions. 1 Millennials, by contrast, tend to be perceived by banks as financially cautious and more predictable in their banking habits. If these characterizations are accurate, banks might need separate strategies for each group. 2 However, a Deloitte survey of financial habits of 2,027 US banking customers challenges this view. It reveals