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Financial Ed 101 for the wallet-less generation

Online banking began over thirty years ago, and mobile banking took off more than ten years ago–which means that there are at least one if not two generations that haven’t experienced the old fashioned passbook savings account, nor have they learned financial responsibility through literally and figuratively balancing their checkbooks. Going paperless, wallet-less, and even branchless means that many individuals have never had financial discussions or relationships with financial advisors or bankers. And for those millennials and Gen Xers who may have, it may only have been to open an account, deposit a check or use an ATM. According to Cognizant’s latest whitepaper despite faster mobile and