Скачать или смотреть Access, Not Privilege: The FinTech Revolution Changing How Young Americans Build Wealth- Lili Gil

Fintech adoption among young Americans is exploding. Apps like Acorns, Stash, Public, and Step have brought tens of millions of first-time investors into the market, with roughly 70–75% of their users under the age of 35. Gen Z is adopting investing platforms at nearly twice the rate Millennials did at the same age, proving that access—not interest—was the barrier all along. And now, with AI lowering the cost of information, execution, and entrepreneurship, we are seeing a new breed of billionaires emerge from entirely different pathways than the old economy. In this new era, knowledge no longer belongs to the few, and the gatekeepers of wealth creation no longer control the doors. For the first time, technology is giving millions of Americans—especially young people—a real pathway into investing, ownership, and long-term wealth building.