Generation next for financial services

As digital natives, Gen Z have seamlessly integrated Fintech into their everyday lives. But navigating Fintech amidst the cost-of-living crisis means that many are prioritising the need to make money fast over sustainable spending practices and the latest retail innovation is forcing them to borrow and spend above their means.

Opinium’s latest research across Germany, France and the Netherlands explores the ways in which Fintech has democratised banking for Gen Z, granting them unprecedented access to financial resources. We question whether this accessibility could reach unsustainable levels, and the implications it carries for the future financial well-being of our next generation.

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