There is a growing trend in fintech that shows where the most disruption is happening, financial advice and management; while digital banks have received the most publicity the percentage of new accounts opened at neobanks was 0.014 percent; firms like Acorns and Stash have captured the attention of older millennials and generation X; the data shows that these groups are more interested in understanding how to improve their financial lives, not where to get their paycheck deposited; twice as many of these users are more interested in using tools like Acorns or Stash than they are at switching their bank accounts to a digital only challenger. Source.