Marris Adikwu is a culture writer and a keen observer of consumer behaviour. She also writes short stories and reads anything she can get her hands on.

Once a signifier of luxury or novelty, custom products and services are now within reach of the everyday consumer, thanks to the rise of artificial intelligence, algorithm-led platforms, and the COVID-era digitisation boom. Today, everyone wants to be the main character of their brand experience. 

Personal Worlds

Leo Goriev is the CEO and co-founder of software company Alty Engineering, designing apps and consulting for banking, fintech, and crypto companies around the world.

Lucia Jensen is a personal finance expert and the CEO of WeLoans, a digital credit broker.

Gen Z (born 1997-2010)

France

Money

Savings and investments

Banking and payments

Bank of France

Journal of Marketing Analysis

Interview with Leo Goriev conducted by the author

The Fintech Times

Deloitte

Interview with Lucia Jensen conducted by the author

Fintech Magazine

Forbes

TechCrunch

Ad Gully

The Strategy Story

Yahoo! Finance

As the cost of living crisis forces people to rethink their finances, fintech app Kard is empowering young people to manage their cash for the better. Gen Zers are looking to make more informed choices with their money, so why are they opting for digital solutions over traditional banks?