Generational Wealth Transfer

Leading through the great wealth transfer

An $84 trillion shift in wealth, trust, and expectations is underway. Here's how your institution can stay relevant across generations.

Why this moment matters

A generational shift in wealth, workforce, and expectations

It’s not just money—it’s legacy, influence, and trust. At the same time, baby boomers are retiring, Gen X is entering their peak earning years, and millennials are redefining what it means to be a primary financial provider.

$84T

in assets are expected to transfer from baby boomers to younger generations over the next two decades.

37%

of Americans expect to receive an inheritance in the next 10–20 years.

The 2025 Generational Trends in Digital Banking Report

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What every generation wants—and how to deliver it

Our national study with Jason Dorsey of The Center for Generational Kinetics goes beyond trends. It reveals how each generation banks, what they expect digitally, and what turns an interaction into a relationship.

The relevancy gap is growing

Only a third of consumers served by regional and community financial institutions feel their provider's recommendations are becoming more relevant—a gap against megabanks and neobanks. With AI and data in your digital sales and service platform, you can close the gap and leapfrog competitors to anticipate account holder needs.

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The primacy imperative

Today’s account holders associate their “primary financial provider” with the institution where they bank digitally—not where they have their direct deposit. It’s time to move beyond personalization—to true anticipation. When you meet needs before they’re voiced, you win trust that lasts.

37%

say the quality of a provider’s digital experience today signals how much that institution truly cares

62%

of younger millennials would leave their primary financial institution for one with a better digital banking experience

46%

say their financial institution could do more to anticipate their financial needs

Win loyalty at every life stage

Sixty-two percent of digital banking Americans believe the primary bank of the future will be completely online. Regional and community financial institutions that prioritize seamless onboarding, use data to be anticipatory bankers, and deliver relevant engagements across every digital touchpoint will win loyalty at every life stage and gain a competitive edge using a digital sales and service platform.

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Onboard

Enable a 5-minute or less digital account opening experience

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Did Consumers Invest More Dollars in 2023?

Engage

Make every interaction meaningful through the digital banking channel

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Grow

Personalize with empathy using AI and behavior data

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“Do you have that seamless, easy, intuitive account opening experience? Because that is what people expect today.”

Jason Dorsey

Researcher & Speaker

Turn insights into outcomes

Anticipation is the strategy. Alkami is the Platform. Whether you’re closing the relevancy gap, building primacy, or preparing for leadership transitions, we turn insights into results. Ready to attract the next generation? Benchmark your digital maturity against your peers.

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Source: The statistics presented on this page are from The Center for Generational Kinetics research, commissioned by Alkami that surveyed 1,500 U.S. participants (Ages 22-65). Data collected online from February 24, 2025, to March 14, 2025.

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Leading through the great wealth transfer

Why this moment matters

$84T

37%