Banks primarily target adults with their digital services, considering under-18s as an unappealing market due to their relative lack of income. However, these digital natives hold significant potential for financial services organizations. Fintechs across the globe have identified this opportunity and started to offer services such as savings and payments to young people via a mobile app. This report explores the potential for youth banking and suggests next steps for banks looking to dive into this business and become more attractive to young customers.