This post in interesting and challenges typical boomer & Gen X patterns.

Many teens are content (if not happy) to start over with most of their accounts in most places.

Source: Ma.gnolia.com – Find Web Sites & Build Community Online

What if next generations are ok with multiple identities?  What if they translate that into multiple bank relationships with not association?

First of all, we Banks) are screwed!  Our architecture whether technology, product or channel, assumes customers are unified, and presume to remained that way.

This is an example of a disruptive force that we need to understand.