A Think Finance survey of more than 1,000 Millennials, ages 18-34, reveals that they are willing to pay for convenience when it comes to financial products. Although 92 percent of respondents use a bank, 45 percent also have used prepaid cards, payday loans, checking-cashing services, and pawn shops. Another 80 percent called emergency credit options "somewhat important." Think Finance President and CEO Ken Rees says, "It's flexibility and controllability that's really important for Millennials. Banks don't have great products for people who need short-term credit." When it came to the reasons they used these alternative products, most listed convenience and better hours than banks, but almost 25 percent said fewer fees and 13 percent cited more predictable fees.