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

The media and many financial institutions presume that when it comes to opportunities of online banking and mobile apps, Boomers are afraid of the new technology because of lack of security or non- use of computers to interact with their credit union. This could be an assumption that is as outdated as Fresca.

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