{"id":524724,"date":"2026-03-06T09:00:00","date_gmt":"2026-03-06T14:00:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=524724"},"modified":"2026-04-01T12:29:03","modified_gmt":"2026-04-01T16:29:03","slug":"young-customers-may-not-prioritize-retirement-investing-but-banks-should","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/","title":{"rendered":"Young Customers May Not Prioritize Retirement Investing, But Banks Should"},"content":{"rendered":"\n

The best time to start investing for retirement is now, but conveying this message to younger adults can be challenging. Many Gen Z and millennial individuals face pressing financial concerns today, making it difficult to prioritize saving for a distant future like retirement.<\/p>\n\n\n\n

Because retirement investing is not typically top of mind for younger consumers, many financial institutions fail to engage them in conversations about retirement products.<\/p>\n\n\n\n

Disha Bheda<\/a>, Digital Banking Analyst at Javelin Strategy & Research, highlights in the report, The Key Step on the Bridge to Investing Maturity Path: Helping Customers Think Beyond Today<\/em><\/a>,<\/em> that failing to focus on future planning can leave institutions at a disadvantage, especially as more financial services firms compete for younger customers\u2019 attention. Once these relationships are established, they can be difficult to break.<\/p>\n\n\n\n

Preparing for the Unseen Future<\/h2>\n\n\n\n

In a previous report<\/a>, the Javelin digital banking team introduced the Bridge to Investing Maturity Path, a strategy designed to help financial institutions engage and guide the next generation of investors. The path consists of six stages:<\/p>\n\n\n\n

    \n
  1. Build a foundation of products and create an optimized account opening experience.<\/li>\n\n\n\n
  2. Teach the fundamentals of personal finance to customers.<\/li>\n\n\n\n
  3. Shift the customer\u2019s mindset to long-term thinking.<\/li>\n\n\n\n
  4. Leverage pivotal life events as springboards for investment opportunities.<\/li>\n\n\n\n
  5. Establish a structured coaching plan to guide novice investors.<\/li>\n\n\n\n
  6. Lay the groundwork for advisory relationships.<\/li>\n<\/ol>\n\n\n\n

    One of the greatest challenges in guiding customers through these stages is instilling the belief that completion is attainable. For many young adults, traditional milestones like purchasing a home or starting a family feel far off\u2014or even uncertain.<\/p>\n\n\n\n

    \u201cOn the flip side, many of these customers have ascendant earning potential and, in many cases, are in line for a generational wealth transfer,\u201d Bheda said. \u201cThey\u2019re prime candidates to be prepared for a future they might not yet see.\u201d<\/p>\n\n\n\n

    \u201cTo the extent that FIs are engaging prospective investors before they actually have significant assets, most institutions are solidly in Stage 2 of this maturity path,\u201d she said. \u201cThey have built smooth account-opening flows; they have a range of financial products; they boast educational materials that seek to guide their customers in the fundamentals of personal finance. But young or inexperienced would-be investors are largely on their own to discover and explore these resources.\u201d<\/p>\n\n\n\n

    Leading customers beyond Stage 2 is the most difficult leg of the journey, and many financial institutions stall there. However, banks can no longer afford to accept this level of engagement.<\/p>\n\n\n\n

    \u201cThe historic play for FIs has been to wait for when these customers have investable assets before attempting to initiate an advice-driven investing relationship with them\u2014that\u2019s too late,\u201d Bheda said.<\/p>\n\n\n\n

    \u201cLurking outside those primary banking relationships are fintechs and specialty apps that do what most traditional banks today do not. They offer easy-to-use interfaces with enviable digital experiences, low fees, and specialized services that target specific consumer needs often overlooked by banks,\u201d she said. \u201cThey are threats to erode banks\u2019 ability to establish a long-term advisory relationship if they go unchecked.\u201d<\/p>\n\n\n\n

    Rewiring the Customer Mindset<\/h2>\n\n\n\n

    To address this, banks can adopt three key principles to rewire customers\u2019 long-term investment habits: education, tracking habits through digital experiences, and setting goals.<\/p>\n\n\n\n

    \u201cEducation should be woven into the experience at appropriate points during customers\u2019 digital interactions with the bank,\u201d Bheda said. \u201cA focus should be on emphasizing the principle of compounding to help young customers and investing novices understand that a lofty long-term goal is possible through small steps.\u201d<\/p>\n\n\n\n

    Along with education, financial institutions should create digital experiences that resonate with younger consumers and help cultivate consistent financial habits. These experiences should be informed by behavioral finance principles and tailored to individual customer needs.<\/p>\n\n\n\n

    Even with the right tools, establishing financial discipline is difficult, and participation may be inconsistent. This underscores the importance of streamlined interfaces and gamification techniques to maintain engagement.<\/p>\n\n\n\n

    Establishing SMART goals\u2014specific, measurable, achievable, relevant, and timebound\u2014is another critical component. Banks must help customers prioritize these objectives, understand trade-offs, and revisit goals regularly to ensure progress.<\/p>\n\n\n\n

    \u201cIllustrations showing how daily actions of customers build toward or detract from goals, reminders, cost-of-waiting visuals, and positive feedback help customers build a corpus and take the plunge into investing,\u201d Bheda said.<\/p>\n\n\n\n

    \u201cPrompts built into every digital interaction with the customer and digital nudges to review their progress helps shift the customer mindset into long-term thinking and achieving goals, a key to relationship deepening and cultivating the next generation of investors,\u201d she said.<\/p>\n\n\n\n

    From Oversight to Foresight<\/h2>\n\n\n\n

    As banks work to broaden customers\u2019 horizons, they must also rethink their retirement strategies.<\/p>\n\n\n\n

    \u201cGetting customers to adjust their thinking to envision longer-term outcomes is just part of the challenge,\u201d Bheda said. \u201cTo reach Stage 3, banks will have to set aside their usual focus on short-term revenue and consider the potential for lifelong customer relationships that prove fruitful again and again.\u201d<\/p>\n\n\n\n

    \u201cTaking this further step along the Bridge to Investing is both a short-term imperative for FIs and their customers and a longer-term play for customer trust and loyalty,\u201d she said. \u201cFor banks, the reward is a lifelong relationship that becomes more lucrative as customers mature and seek out financial products that reflect their changing lives. For customers, it\u2019s gaining the ability to visualize their future and the confidence of knowing they have a pathway to achieving it.\u201d<\/p>\n\n\n\n

    This urgency is heightened by the rise of fintechs targeting younger demographics. Educational apps like Greenlight and GoHenry, along with teen accounts offered by Venmo and Cash App, embed financial habits at an early age.<\/p>\n\n\n\n

    While not all provide retirement investing yet, many are evolving into holistic financial services providers. If they are firmly established with younger customers now, they will have inroads with them<\/a> as they age into retirement. This has made it more important than ever to tread the Bridge to Investing Maturity Path.<\/p>\n\n\n\n

    \u201cSuccess in Stage 3 will profoundly alter banking relationships,\u201d Bheda said. \u201cThe shift from oversight to foresight will reposition FIs as a proactive advisor, not just a reactive provider of on-demand financial services. Digital banking will continually reinforce the FI\u2019s advice-giving role in achieving future goals.\u201d<\/p>\n\n\n\n

    \n\n\n\n

    <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    The best time to start investing for retirement is now, but conveying this message to younger adults can be challenging. Many Gen Z and millennial individuals face pressing financial concerns today, making it difficult to prioritize saving for a distant future like retirement. Because retirement investing is not typically top of mind for younger consumers, […]<\/p>\n","protected":false},"author":8464,"featured_media":524726,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"1280"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1274,1280,1138,1],"tags":[294,146,17418,65917,55091],"class_list":["post-524724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-digital-banking","category-featured-content","category-uncategorized","tag-digital-banking","tag-fintech","tag-investment","tag-retirement-investing","tag-retirement-savings"],"yoast_head":"\nYoung Customers May Not Prioritize Retirement Investing<\/title>\n<meta name=\"description\" content=\"Because retirement investing is not top of mind for younger consumers, financial institutions fail to engage in retirement chats.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Young Customers May Not Prioritize Retirement Investing, But Banks Should\" \/>\n<meta property=\"og:description\" content=\"Because retirement investing is not top of mind for younger consumers, financial institutions fail to engage in retirement chats.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-06T14:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-01T16:29:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Wesley Grant\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Wesley Grant\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/\"},\"author\":{\"name\":\"Wesley Grant\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/56ed2b8956715e765cbbfdbf0f221dde\"},\"headline\":\"Young Customers May Not Prioritize Retirement Investing, But Banks Should\",\"datePublished\":\"2026-03-06T14:00:00+00:00\",\"dateModified\":\"2026-04-01T16:29:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/\"},\"wordCount\":1026,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg\",\"keywords\":[\"Digital Banking\",\"Fintech\",\"Investment\",\"Retirement Investing\",\"Retirement Savings\"],\"articleSection\":[\"Banking\",\"Digital Banking\",\"Featured Content\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/\",\"name\":\"Young Customers May Not Prioritize Retirement Investing\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg\",\"datePublished\":\"2026-03-06T14:00:00+00:00\",\"dateModified\":\"2026-04-01T16:29:03+00:00\",\"description\":\"Because retirement investing is not top of mind for younger consumers, financial institutions fail to engage in retirement chats.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"People, business and occupation concept. Unrecognizable bearded man interviews young blonde female who is searching for work, tells about experience and special skills in this sphere, work with papers\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Young Customers May Not Prioritize Retirement Investing, But Banks Should\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"name\":\"PaymentsJournal\",\"description\":\"Payments Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.paymentsjournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/paymentsjournal\\\/\",\"https:\\\/\\\/x.com\\\/paymentsjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/paymentsjournal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/56ed2b8956715e765cbbfdbf0f221dde\",\"name\":\"Wesley Grant\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/WG-150x150.jpg\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/WG-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/WG-150x150.jpg\",\"caption\":\"Wesley Grant\"},\"description\":\"Wesley Grant serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/wesley-grant\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Young Customers May Not Prioritize Retirement Investing","description":"Because retirement investing is not top of mind for younger consumers, financial institutions fail to engage in retirement chats.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/","og_locale":"en_US","og_type":"article","og_title":"Young Customers May Not Prioritize Retirement Investing, But Banks Should","og_description":"Because retirement investing is not top of mind for younger consumers, financial institutions fail to engage in retirement chats.","og_url":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2026-03-06T14:00:00+00:00","article_modified_time":"2026-04-01T16:29:03+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg","type":"image\/jpeg"}],"author":"Wesley Grant","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Wesley Grant","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/"},"author":{"name":"Wesley Grant","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/56ed2b8956715e765cbbfdbf0f221dde"},"headline":"Young Customers May Not Prioritize Retirement Investing, But Banks Should","datePublished":"2026-03-06T14:00:00+00:00","dateModified":"2026-04-01T16:29:03+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/"},"wordCount":1026,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg","keywords":["Digital Banking","Fintech","Investment","Retirement Investing","Retirement Savings"],"articleSection":["Banking","Digital Banking","Featured Content"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/","url":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/","name":"Young Customers May Not Prioritize Retirement Investing","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg","datePublished":"2026-03-06T14:00:00+00:00","dateModified":"2026-04-01T16:29:03+00:00","description":"Because retirement investing is not top of mind for younger consumers, financial institutions fail to engage in retirement chats.","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/happy-blonde-female-manager-has-conversation-with-male-colleague-scaled.jpg","width":2560,"height":1707,"caption":"People, business and occupation concept. Unrecognizable bearded man interviews young blonde female who is searching for work, tells about experience and special skills in this sphere, work with papers"},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/young-customers-may-not-prioritize-retirement-investing-but-banks-should\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"Young Customers May Not Prioritize Retirement Investing, But Banks Should"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Payments Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/56ed2b8956715e765cbbfdbf0f221dde","name":"Wesley Grant","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/04\/WG-150x150.jpg","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/04\/WG-150x150.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/04\/WG-150x150.jpg","caption":"Wesley Grant"},"description":"Wesley Grant serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.","url":"https:\/\/www.paymentsjournal.com\/author\/wesley-grant\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/524724","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/8464"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=524724"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/524724\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/524726"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=524724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=524724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=524724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}