Propose a way to successfully engage 18-30 yr. old customers more consistently across a 10-year timeline. Specifically submit answers to the following:

1) Product – What product/feature would you use to engage and provide value to these customers? Feel free to select an existing or new product. We’ve tried savings accounts, credit cards, online banking, online bill payments, gift cards, student loans and money management tools.

2) Messaging – How would you market and position the bank in a novel way?

3) Placement – What strategies would you use to place our brand and product in their every day life?

4) Why – Why do you think your solution is the most effective way to engage this target audience?

[Bonus] Reference a product or brand that used a similar approach and describe how consumers responded.

Things to consider:

- Top ideas will build on consumer behaviors. Preference will be given to novel solutions or creative communication strategies.

- Some banks have a "keep the change" program that allows their members to add the change from each purchase to their savings account- This is a great place to start thinking about your submission: A process or product that is geared toward young customers.

- Your idea should fit in well with the busy, social, digital lives of Millennials

- Get Creative! Simply saying "build an app" or "create a rewards program" is not acceptable. Let us know unique app functions or what special rewards we can offer