Most people don’t pick their first bank, their grandparents or parents do. That first account opened at a local branch defines how we think about money for life and as digital finance evolves, the family network remains an untapped growth engine. I think the next frontier of banking isn’t just personal finance, it’s family finance. We should make it easy for parents, partners, and kids to build together in one ecosystem. Trust is generational and the smartest financial firms will honor that.