The smartphone finance app Venmo is shown on Vanessa Montes de Oca's phone, in Covina, Calif., Dec. 15, 2015. A millennial-led shift to digital financial services could upend the consumer banking industry. "Most of the business of my life is on my phone," said Montes de Oca.
The smartphone finance app Venmo is shown on Vanessa Montes de Oca's phone, in Covina, Calif., Dec. 15, 2015. A millennial-led shift to digital financial services could upend the consumer banking industry. "Most of the business of my life is on my phone," said Montes de Oca. MONICA ALMEIDA NYT
The smartphone finance app Venmo is shown on Vanessa Montes de Oca's phone, in Covina, Calif., Dec. 15, 2015. A millennial-led shift to digital financial services could upend the consumer banking industry. "Most of the business of my life is on my phone," said Montes de Oca. MONICA ALMEIDA NYT

Young consumers offer glimpse of tomorrow’s banking market

January 23, 2016 1:00 PM

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