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On Sept. 30, 2016. Dollars in thousands.

On Sept. 30, 2016. Dollars in thousands.

Ping-pong tables, latte machines and other neat frills don't attract millennials as much as companies like to think, according to Melissa Louis, managing consultant at The Gallup Organization, which has done massive surveys in this area. "The biggest thing millennials really care about is development," she says. "Are they going to be in an organization where they will be consistently coached, where they can see a path for themselves in the future, regardless of what role they're starting in?

Year to date through Sept. 30, 2016. Dollars in thousands.

Year to date through Sept. 30, 2016. Dollars in thousands.

On June 30, 2016. Dollars in thousands.

On June 30, 2016. Dollars in thousands.

On June 30, 2016. Dollars in thousands.

American Banker is pleased to bring you Breaking Banks, hosted by Brett King, and featuring the editors of American Banker.

Wei Ke, a partner at consultants Simon-Kucher, discusses the psychology behind customers' choices, including the appeal of metal credit cards, the willingness to pay $450 a year for a card and the paralysis of too many options.