Amazon.com Inc. has millennial shoppers nailed down. And their parents. And most of their grandparents.

But one group of potential customers has eluded the world's biggest Internet retailer.

Teenagers, otherwise known as Generation Z, with their lack of debit and credit cards, their absence of bank accounts and their overwhelming preference for actually putting on clothes and going to physical stores to buy things they could purchase online, pose a big challenge to Amazon.

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