Self-paced online CPD for finance professionals working with today’s borrowers

Gen Z and Millennial Borrowers is a self-paced online CPD course for finance professionals working in Australia. It develops a practical, evidence-based approach to understanding younger borrowers without relying on generational stereotypes.

Explore responsible lending, debt-to-income ratios, serviceability, Buy Now Pay Later facilities, crypto exposure, deposit planning, Consumer Data Right information, transaction analysis, behavioural finance and client engagement through structured written lessons, practical activities, worked examples and real-life lending scenarios.

Understand the borrower, not just the generation

Gen Z and Millennial clients may face different housing conditions, financial pressures, digital influences and life-stage decisions. However, generational information should provide context—not determine the outcome of an individual borrower assessment.

This course shows you how to:

• use generational insights responsibly;
• replace assumptions with relevant client enquiries;
• assess financial capacity, conduct and readiness;
• interpret digital and transaction data in context;
• identify temporary, addressable and structural financial issues; and
• explain suitable options without steering the client.

The course connects broader borrower trends with the individual evidence required for sound professional judgement.

Who should complete this course?

This course is designed for finance professionals who assess, advise, support or communicate with borrowers and clients, including:

• finance and mortgage brokers;
• tax professionals;
• accountants and bookkeepers;
• credit advisers and lending professionals;
• loan writers and broker support staff;
• financial services professionals; and
• professionals involved in borrower preparation, financial analysis or client education.

The course is equally relevant to professionals who conduct formal credit assessments and those who help clients understand their financial position and borrowing readiness.

What will you learn?

By completing Gen Z and Millennial Borrowers, you will develop a stronger understanding of how generational context can be used alongside borrower-specific evidence.

You will learn how to:

1. Apply generational information without stereotyping individual clients.
2. Distinguish debt-to-income measures from serviceability assessments.
3. Examine financial resilience, debt behaviour and savings readiness.
4. Assess BNPL facilities, crypto exposure and online financial influences.
5. Analyse deposit sources, genuine savings, household income and expenses.
6. Compare current expenses with foreseeable post-purchase commitments.
7. evaluate digital evidence, CDR information and transaction data.
8. Recognise behavioural influences during client conversations.
9. Present options clearly without directing clients towards a predetermined outcome.
10. Record lender comparisons and file rationale more effectively.

Practical learning built around borrower scenarios

This is not a collection of broad generalisations about younger generations.

The course uses written explanations, worked examples, practical activities and case studies to demonstrate how borrower circumstances should be examined in context.

You will work through situations involving:

• clients with identical savings balances but different levels of readiness;
• borrowers with multiple BNPL facilities;
• changing household and life-stage commitments;
• digital transaction records requiring further explanation;
• online financial claims influencing client decisions;
• crypto holdings and credit assessment;
• deposit sources and genuine savings;
• temporary and structural affordability concerns; and
• lender comparisons requiring a clear file rationale.

These scenarios help translate course concepts into questions, analysis and actions that can be applied in professional practice.

Why complete this CPD course?

Strengthen borrower enquiries

Learn how to replace assumptions about age groups with focused questions about the client’s actual circumstances.

Improve financial analysis

Examine income, expenses, debt, savings, digital credit, deposit sources and future commitments as parts of one borrower profile.

Understand emerging risks

Develop greater awareness of BNPL, crypto exposure, social media influences, AI-generated financial information and consent-based data access.

Apply responsible professional judgement

Connect generational context with verified evidence, foreseeable circumstances and lender requirements.

Communicate options more effectively

Use behavioural finance principles and structured conversations to explain issues without directing the client towards a particular decision.

Improve file rationale

Document what was identified, what evidence was considered, what enquiries were made and why particular options or lenders were compared.

Build a more complete picture of younger borrowers

Younger borrowers should not be assessed through assumptions about their generation. They should be assessed through relevant enquiries, reliable evidence and an informed understanding of the economic, digital and life-stage environment in which they make financial decisions.

Complete Gen Z and Millennial Borrowers to strengthen your borrower analysis, client conversations and compliance-related professional development.

CPD notice

This course provides compliance-related continuing professional development and practical borrower-analysis training. CPD obligations and recognition requirements may differ between employers, licensees, aggregators and professional associations. Learners should review the CPD information provided with the course and confirm any specific requirements that apply to them.