In a world where everything is being unbundled, allowing consumers to pick and choose from things like television shows and college courses, financial services are becoming à la carte, as well. People, particularly millennials, are moving away from single monolithic banking institutions serving the majority of their financial needs to hand picking the specialized services that work for them.

According to a recent survey of 2,450 American and Canadian millennials, 46 percent say they don’t plan to stay with their current financial services company, and 67 percent indicate they are open to using non-financial services brands.