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Gen Z's EdBank

TradFi, Web2 Fintech Services

Fintech services typically have very long retention, but are commodity features and have few ways of differentiation. Therefore, fintech is a user-acquisition, user-retention, marketing game.

Future Aha TradFi / Fintech Services

  1. 1.
    Student Loans
  2. 2.
    Student Fiat Credit Cards
  3. 3.
    529 Plan
Table 21b - TradFi / Fintech Ecosystems
Company
Gateway (First Product)
Average User Age
Stock Trading
Crypto Trading
Loans
Sending Money
Credit Card
BNPL
SoFi
Student Loans
Millennials (24-39), Gen Z (<24)
πŸ’°
πŸ’°
πŸ’°
πŸ’°
πŸ’°
​
CashApp (Block)
Sending Money
Millennials
​
πŸ’°
​
πŸ’°
​
πŸ’°
Robinhood
Stock Trading
Millennials (24-39)
πŸ’°
πŸ’°
​
​
​
​
Coinbase
Crypto Trading
Millennials (24-39)
​
πŸ’°
​
​
​
​
Affirm
BNPL
Millennials (24-39)
​
​
​
​
​
πŸ’°
Klarna
BNPL
33
​
​
​
​
​
πŸ’°

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