Welcome, everyone, to another episode of The Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I’m Tearsheet’s editor in chief, Zack Miller.

As we explore how financial services is attempting to cater to younger customers, it’s clear – some neobanks and fintechs resonate with Gen Z much more than traditional FIs.

That may be because they have identified niche consumer groups and are thinking out of the box when it comes to designing products for them, according to Josh Stephens, SVP of Product at Current and Tony Tran, CEO and co-founder of Lumanu.

Both these professionals – and the companies they’ve helped build – stand out among just a handful of financial services firms building their products and their services, designing their infrastructure, and establishing the channels to foster relationships with their clients today and into the future.

Stephens and Tran joined me on stage for a fireside chat in March at Mastercard’s Tech Hub in NYC at our Gen Z Symposium, to talk about how their companies are catering to Gen Z.

Our conversation explores the evolving standards banks have to meet when serving younger customers. We spend a good deal of time exploring the importance and design of good UX for today’s customers. We end with a discussion about how communities may be the way to educate and engage Gen Z.

Here’s my conversation with Josh Stephens and Tony Tran.