As a Millennial myself, I personally have no problem with the thought of using technology and innovation to help me make large purchases and financial transactions. Maybe I'm being naive, but I feel that if the big banks are willing to use these programs & apps, they must be tested thoroughly for security flaws and therefore should be pretty safe.

I can say that over the last 5 years i've probably walked into my bank less than 5 times, and i purchased my first home last year without stepping foot in a bank (many phone calls, but never actually going into the bank).

Just my two cents :)