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Those Gen Z'ers: How Younger Generations Shop and Choose to Pay

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Gen Z (ages 10-22) and Millennials (ages 25-35) are shopping, buying, and paying differently than other generations have. There is a fundamentally different view towards shopping and payments, including how they use cards, credit, social shopping, and embedded commerce. Merchants looking to grow their business can be more attractive to younger generations if they are aware of these alternative forms of payments and ways of shopping. This session will explore how younger generations are shopping differently, with a special focus on Buy Now, Pay Later solutions and digital payments such as P2P and cryptocurrency.

Learning Objectives:

  1. Understanding what defines the younger generations and how they choose to shop.
  2. Learning more about Buy Now, Pay later solutions, including adoption and benefits of offering.
  3. Examining the preferred payment methods of younger generations.


  • Beth Costa | Partner - Oliver Wyman

    Beth Costa is a payments industry veteran with experience as both a payments consultant and an industry practitioner. She is a Partner in Oliver Wyman’s Payments Practice, and prior to joining Oliver Wyman; Beth served as Chief Product Officer and Chief Strategy Officer at MCX, a mobile commerce and payments company owned by major U.S. retailers. Beth specializes in providing a holistic payments view, evaluating opportunities and challenges from every angle – whether merchant or corporate, issuer, processor, network, or the consumer experience. She is an expert in payments and digital commerce solutions, including credit, debit, prepaid, ACH, e-commerce, m-commerce, loyalty and rewards. Beth holds an M.S. in Statistics and a B.S. in Applied Mathematics, both from Carnegie Mellon University.

  • Neeko Gardner | Engagement Manager - Oliver Wyman

    Neeko Gardner is an Engagement Manager in Oliver Wyman’s Payments Practice. He works in all aspects of payments including strategy, product development, consumer payment trends, domestic network schemes, data and analytics, risk management and regulatory requirements. Neeko works with physical store and ecommerce merchants, banks, networks, technology companies and fintechs across card-based payments, online payments, and mobile. Neeko holds a B.A. with honors in Mathematics and Economics from Williams College.

August 4, 2021
Wed 12:00 PM CDT

Duration 1H 0M

This live web event has ended.