Block 的业务主管 Owen Jennings 表示，年轻一代正在选择更多的灵活性，这从根本上改变了人们参与经济的方式。然而，传统金融机构对这些现代赚钱者（modern earners）服务不足，因为它们的产品假设工人们只收到一份单一的薪水。因此，尽管收入相当，Cash App 上的现代赚钱者中只有 21% 拥有房屋抵押贷款，而受薪员工的比例则为 32%。
由于 1997 年至 2012 年之间出生的 Z 世代（Gen Z）个人占了现代赚钱者（modern earners）的 44%，Cash App 正在为年轻消费者量身定制银行和投资工具。Cash App 为信用历史有限的客户引进了信用评分，以扩大获得融资的管道。此外，其 Cash App Borrow 产品提供小额短期贷款，以帮助使用者管理不平均的收入。
According to a Cash App study by Block Inc., nearly 16% of the Gen Z generation have more than one income stream, a rate five times that of Baby Boomers. Overall, approximately 54 million Americans earn income from multiple sources, up from 41 million two years ago. Furthermore, 57% of Cash App’s customer base generates income from freelancing, entrepreneurship, content creation, side businesses, or multiple jobs, while about 22 million teens aged 13 to 17 earn money through part-time, informal, or digital work.
Owen Jennings, a business lead at Block, states that younger generations are opting for more flexibility, fundamentally changing how people participate in the economy. However, traditional financial institutions underserve these modern earners because their products assume workers receive a single paycheck. Consequently, only 21% of modern earners on Cash App hold mortgages, compared to 32% of salaried workers, despite having comparable incomes.
Since Gen Z individuals born between 1997 and 2012 make up 44% of modern earners, Cash App is tailoring banking and investing tools to younger consumers. Cash App has introduced credit scores for customers with limited credit histories to expand financing access. Additionally, its Cash App Borrow product offers small, short-term loans to help users manage uneven income.