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This research shows that while many of the Baby Boomers own smartphones and use apps, the way they use new technologies is more sequential, structural, linear and practical than the younger generations. The over 40’s can be described as Digital Transactors, using the latest tools to transact, as with any tool, and after the function is performed, putting it back down or replacing an older tool with a newer, more functional one. However the Under 30’s, having been shaped in a digital, wireless, online world, have embedded these tools more into their lifestyles. The technologies are seamlessly integrated into their lives- it has almost become an extension of them, always on, and integrated into all aspects of their life. They are the digital integrators.