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diversifying to reach this audience changing habits such as entertainment vendors who have responded to the change from older gens who listened to radio to catering to dem youth watch movies and music on their phones in compressed format at KSh.30 only. For Kenyan youth, data is a huge part of their lives because this is where they socialize and get their news. Telco companies are therefore in constant competition trying to offer them data at affordable rates. The average millennial uses about KSh.50 daily on airtime where KSh.40 is used on data while the remaining Sh10 goes to calls only, but only when necessary. They WhatsApp, not text. They get their news on Twitter, broadcast their version on Instagram, personalize on WhatsApp to peer groups and maybe reference on Facebook. This content journey demonstrates a shift in style of usage and relevance of apps and their changing lifespans, a critical component to grasp in digital marketing. Unique content creators are the holy grail in winning hearts and minds from this demographic as there is a heavy excessive amount of online content. However, following the messaging path of word of mouth can create notoriety and win the day if the content stands out enough. This is why content makers, Viusasa, from Royal Media, are primed to yet again create a paradigm shift in content consumption and its monetization locally. Millennials also have peculiar banking habits. According to a 2017 research by YDX, a youth market research and youth As much as millenni- als command atten- tion, they often get flak for what is per- ceived as poor work ethic with short atten- tion spans. They have been labelled as lazy, spending too much time on gadgets, ‘ex- periences’ and gener- ally feeling entitled. marketing agency, a large proportion of Kenyan youth aged between 16 to 24 manage their money on their phones with mobile wallets (mainly M-Pesa). This is critical to note as more than 33billion USD was transacted on mobile wallets in 2016 in Kenya. Those between 25-30 years have a salary account, a transition of what used to be their student account while those aged between 30 to 35 have more than one bank account for their salary, savings and investment. Thus the attitude to financial services and expectations from brands in this space remains attuned to convenience, value, living the #YOLO experience. Young people prefer brands that make life easier for them, but as much as they are willing to try out new technology more than the older generations, they lack loyalty. They expect brands to react to their ideas and criticism and allow them a role in shaping new products as noted with various groups. By being connected to the online world, youths have created online identities that give them freedom of expression and a voice to shape the world, but in which image? The key to remember though is that despite the prevalence of online media in urban centers, traditional media remains king given that five million Kenyans remain media dark. However, the phenomenal exponential growth in online penetration presents unprecedented opportunities both to connect and build new businesses and to create a change in the capacity and capability to achieve global success, to even the playing field. Given that millennials are generally hustlers to a man, the future remains hopeful as they perceive sustainability and growth in their businesses as the ultimate route to self-actualization, prosperity and wealth. Angela Mwirigi is the Director, Marketing & Communications at the KCB Group. This is an abridged version of the presentation she shared at the AMRA 2018 Forum in Nairobi. You can commune with her on this or related matters at: AMwirigi@ gmail.com.