Banks are working furiously to decode the Millennial generation’s puzzling financial habits and interactions. The trade journals constantly talk about them, and at a retail banking conference I attended earlier this year they were one of the hottest topics of conversation. Attendees viewed multiple presentations and took part in many discussions that evaluated methods for how best to target and market to this young, new tranche of customers. The questions asked were not easily answered. What are the Millennials' preferred channel of choice? How do they prefer to engage with their bank — via mobile or digital? Would they inherit large lump sums from boomers?