A recent FINRA survey indicates that 55% of Generation Z Americans, born between 1997 and 2012, prefer investing in cryptocurrencies over traditional banking systems, reflecting their skepticism towards conventional financial institutions. This generation, characterized by its entrepreneurial spirit and digital fluency, finds traditional banks costly and inefficient, prompting a shift towards decentralized finance (DeFi) and blockchain solutions. The findings suggest that Generation Z's financial habits are reshaping the industry, with their focus on transparency and control driving interest in digital assets and stablecoins. Analysts from Bernstein highlight that these preferences could lead to new financial platforms emerging to meet the demands of this tech-savvy demographic. As Generation Z continues to accumulate wealth, their distinct financial behavior is expected to influence both investment trends and the future of banking. This transformative period in finance underscores the need for traditional institutions to adapt to the evolving landscape in order to remain relevant.