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We recently ran two focus groups to understand how Millennials use digital tools and AI when making decisions about their finances and wellbeing. What emerged was not a simple story of adoption, but a more thoughtful and human approach to when - and how - these tools are used. This research uncovered five key insights. Here’s the first. Insight 1: Millennials are curating their own ecosystem of tools Millennials are building personalised mixes of digital tools. In finance, th

Over the past few weeks, a theme has been quietly surfacing in my life. It’s come through podcasts, articles, and conversations with friends: a growing desire to return to analogue living. When I first heard the phrase “2026 is the year of analogue,” I was intrigued. What did this actually mean? The idea, broadly, is that many of us are beginning to crave time away from screens, especially during the parts of our day that are meant to be restful. One example of this trend is