Young woman with braided hair sitting on the sofa in pajamas, looking on her smart phone. Paying bills on the phone, checking her finance on the phone app. Millenial generation uses new and improved ways of dealnig with money. Everything can be done over the phone, the need of going to a bank is no longer here. Young generations are paying bills, transferring money, checking their balance and other things, all over the phone financial and bank apps.