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To address generational transition, Banca Mediolanum decided to create a NewCo from the Bank aiming to approach Millennials and Generation Z target. Flowe is an ELMI (electronic money institution) and a benefit corporation. We have recently completed a design path to define a new user experience through a native app, which in addition to account and payment services within the PSD2 framework, could also offer a real ecosystem focused on focused on aspects that are important to young people: eco-sustainability, personal finances management, social connections and having everything at hand.