Some of the “older generation” are already monzonauts. This reminds me that when ASOS ask me to complete a post-delivery customer survey, I fall into their “35+” classification, so I feel rather unwanted 
- a friend says it is so they know which clothing lines to drop asap from their range!
I think the topic here is (correctly) about attitudes, rather than capabilities, and 45+ (or 35+) are not a single homogenous group. There are some suggestions about age-friendly banking in this report.
@alexs Life expectancy for 45 year olds is 36 more years for men, and 39 more years for women (source). What is Monzo’s life expectancy? 