Young adult Australians face an ever-changing financial landscape with digitalization, the gig economy, decarbonization, and many other forces. Their expectations and preferences are very different from previous generations. A major financial institution wants to understand the decisions and use of banking products and services among young Australian adults to better meet their needs and identify new opportunities for growth and innovation. You have been hired as a qualitative researcher to analyze online focus group data collected from participants.

Your primary objectives are to uncover insights around some of the following topics:

1. Current preferences, expectations, and behaviors related to household decision-making.

2. Identify internal and external influences related to financial well-being and competence.

3. Explore challenges consumers face regarding housing, climate change, and green choices.

4. Using insights gained, develop some possible products, policies, and programs that would help improve consumers' financial well-being

summarize and  key findings and insights gained

recommend strategies regarding sustainable consumption