Everyone knows that Gen Y and X are the driving force behindmobile apps, but the Baby Boomer generation isn't afraid of alittle technology.

The media and many financial institutions presume that when itcomes to opportunities of online banking and mobile apps, Boomersare afraid of the new technology because of lack of security ornon- use of computers to interact with their credit union. Thiscould be an assumption that is as outdated as Fresca.

While baby boomers have not quite reached the level of adoptionrates of online banking as Gen Y/X, it's hard to ignore theiracceptance over the last several years of the online banking andmobile apps. Once Baby Boomers embrace the technology of onlinebanking, their usage can rival Gen Y/X. Baby Boomers ages 49-68(and seniors over 68) account for 46 percent of all open checkingaccount holders and they could fuel the next growth wave withindigital banking, according to Nielson.