According to a recent poll by Credit Karma, about half of Gen Z respondents think planning for the future is pointless, and most of the generation feels worried about debt.

Yet the Gen Z mindset of not planning, according to analysts, might lead to even more debt that they cannot pay, which could delay a launch into adulthood and longer stays at home with parents.

The unemployment rate is higher for this generation than for the rest of the population, and corporations have cut back on training programs for new college graduates due in part to ROI concerns as people switch jobs more frequently than in previous generations.

Why invest in training for other companies to benefit from? Credit card delinquency is also higher for this generation.

Banks can help their Gen Z clients by teaching investment and budget habits that are not consistently taught in college.

Basic training, such as online courses in budgeting, the benefits of saving such as compounding interest, and ways to pay off credit card debt, would lead to a better understanding of healthy habits and will create better banking customers.

New tools that provide a guide to good credit and goal setting can help this generation with a hopeful outlook that could lead to better habits.