fintech

In partnership with As a fintech founder who partners with community banks and credit unions, I’ve seen the $100 trillion wealth transfer looming on the horizon – and it’s both an enormous opportunity and a wake-up call. Over the next two decades, an estimated $80–$84 trillion will pass from aging Baby Boomers to their Gen […]

It’s 11 p.m. on a Tuesday and your MilZ customer has a question about how she should use her inheritance. Is she willing to wait until morning to call your 1 800 number? Absolutely not. The data shows that she will most likely hop on #FinTok and see what her favorite creator might recommend. Millennials […]

This issue, I want to delve into how savvy financial institutions are innovating to win America’s HENRYs and HIPOs early.  Millennial and Gen Z HENRYs (High Earners, Not Rich Yet) are rising professionals who might be future millionaires, but today they’re more pre-wealth than wealthy.  Think of high potential (HIPO) individuals like a 28-year-old software […]

Wealth and wellness. Our generation demands both. If you still think financial wellness is just a fluffy HR perk or a nice-to-have product feature, you’re missing the moment. Gen Z and Millennials—aka MilZ—have flipped the script on how they think about money. For them, money isn’t just about wealth anymore. It’s about wealth + well-being; […]

As a  millennial fintech founder, I’ve seen firsthand that Gen Z and Millennials are rewriting the rules of banking. Our generation represents about 30% of the global population. Nearly 50% of us manage our finances entirely via phone. We don’t just prefer digital-first experiences – we demand them. We expect our banking app to be […]

In this week’s deep dive, I continue to explore how sky-high prices and attractive savings rates are changing Gen Z’s relationship with money. Last week, I dove into the rise of budgeting apps and viral challenges, to the trend of “doom spending” and the pursuit of a “soft life,” to understand how younger consumers are […]

This week kicks off something new: a two-part series exploring how sky-high prices and attractive savings rates are changing Gen Z’s relationship with money. From the rise of budgeting apps and viral challenges, to the trend of “doom spending” and the pursuit of a “soft life,” younger consumers are coping in creative (and sometimes concerning) […]

This week I’m focusing on the evolution of social finance and how Gen Z and Millennials aren’t shy about money. We’re comparing salaries online, swapping salary info on TikTok, sharing budgeting hacks in Discord servers, and sharing savings goals with family. For us, money isn’t private—it’s social. We actually like to talk about it.  So […]

As someone who’s spent years building financial tools for digital-first generations, I can confidently say this: if you’re a bank or credit union still thinking of AI as a “nice-to-have,” you’re already behind. Gen Z and Millennials expect personalized, on-demand experiences. They’re more likely to talk to Siri than a bank teller. And if your […]

Welcome to Banking MilZ, the only weekly newsletter tailored expressly for banking and credit union leaders looking to onboard the next generation of customers and members. In this sample issue you’ll find a curated list of top articles to help you understand the Millennial and GenZ (MilZ) mindset, and my weekly deep dive with exclusive […]

In partnership with I can’t believe it’s been 3 weeks since I launched Banking MilZ, thanks to everyone who has signed up so far. If you like what you’ve been reading here, share this link with a friend or colleague —> https://news.wellthiapp.com/subscribe Like it or not, please take a minute to fill out my reader […]

Welcome to week 2 of Banking MilZ, thanks for everyone who has signed up so far. This week’s deep dive explores the world of embedded finance. It’s a trend you need to understand to compete in the digital era, where the boundaries between service industries is disappearing, fast. That shopping app your customers love and […]

Welcome to the kick off edition of Banking Milz, a new weekly newsletter focused on helping credit union leaders crack the generational code and build real and sustainable banking relationships with Millennials and GenZ. As the CEO and founder of Wellthi Technologies, I’ve been on the front lines of fintech since 2006. I’ve worked with banks […]