All Alder Koten Insights

Nothing holds still as this not-all-digital-all-the-time generation grows older and gets jobs. A key point for banks and credit unions: Waiting for Gen Z to start working is too late to make a financial connection. Reach out now with teen accounts for younger Z's or fintechs and big techs will become their primary financial institution. Hints: Frugal Gen Z loves freebies and favors branches.

Don’t underestimate the power of mobility platforms. With digital interfaces in play, urban transport solutions will be delivered and consumed as a service in the future, accelerating the shift away from personal-vehicle ownership. They will also bring order to the plethora of mobility offerings, each with its own app, that are available today in many cities. And cooperation among different mobility players will be the key to their success.

The experience of buying and owning a car has never been seamless—or digital. But as customers of a global carmaker will soon discover, it can be. The carmaker is using agile principles and practices to create a best-in-class digital buying and ownership experience for individual and commercial customers.

Political advertisers will be able to aim their messages at people based on their age, gender or location. Google will also allow ads to be targeted to people based on the content of websites they visit. However, the ads can no longer be directed to specific audiences based on their public voter records or political affiliations categorized as “left-leaning,” “right-leaning,” or “independent,” the company said . The policy will apply to ads shown to users of Google’s search engine and YouTube, as well as display advertisements sold by the company that appear on other websites.