By now it is clear that banks' younger customers are there for the taking, should a strong digital brand like Amazon, Google or PayPal ever court them for banking services.

In an Accenture survey conducted in March, for example, almost half (46%) of consumers aged 18 to 34 said if PayPal offered banking services, they would want to use them. About 40% said the same about Google and 37% favored Amazon. Accenture polled 3,846 bank customers in North America.

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