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市场调查报告书
商品编码
1833474
Z 世代和千禧世代金融知识市场预测至 2032 年:按产品类型、交付类型、内容格式和教学方法、交付模式、收益模式、最终用户和地区进行的全球分析Gen Z & Millennials Financial Literacy Market Forecasts to 2032 - Global Analysis By Product Type, Offering Type, Content Format & Pedagogy, Delivery Mode, Revenue Model, End User and By Geography |
根据 Stratistics MRC 的数据,全球 Z 世代和千禧世代金融知识市场预计在 2025 年达到 102.7 亿美元,到 2032 年将达到 178.4 亿美元,预测期内的复合年增长率为 8.2%。
Z世代和千禧世代的金融素养是指理解并运用预算、储蓄、投资、信用管理和债务减免等金融概念。这种素养受到数位工具、经济挑战和不断变化的金融格局的影响。儘管这些世代精通科技并乐于创新,但他们在正规金融教育方面往往存在差距。提升金融素养对于做出明智的决策、维持长期财务稳定以及适应数位优先时代不断变化的经济状况和机会至关重要。
《瑞士经济与统计杂誌》发表的一项研究发现,即使在已开发国家,金融知识水平仍然很低,全球只有约三分之一的人口熟悉日常决策所必需的基本金融概念。
数位原民的学习偏好
Z世代和千禧世代天生就对数位生态系统驾轻就熟,相较于传统模式,更青睐互动式、行动装置为基础的金融教育工具。他们对简短内容、社群媒体互动和游戏化学习模组的亲和性,正在再形成金融知识的传播方式。整合即时回馈、个人化仪錶板和P2P学习的平台正日益普及。简化预算、投资和信用追踪的金融科技应用程式的激增,进一步推动了这种转变。
讯息过载和错误讯息
社交平臺上检验的建议氾滥,加上演算法主导的“回音室效应”,往往导致混乱和糟糕的财务决策。这种环境使基础金融知识的培养工作更加复杂,尤其对首次赚钱的人群和学生而言。此外,学校和教育机构缺乏标准化的金融教育,加剧了人们对金融理解的差异。
行动优先应用程式、游戏化模组和短影片内容的开发
奖励、挑战和进度追踪等游戏化元素已被证明能够有效提升用户参与度和留存率。短影片,尤其是针对 Instagram Reels 和 YouTube Shorts 等平台优化的影片,正成为传递金融技巧和教程的强大工具。新兴企业和金融科技公司正在利用人工智慧来个人化学习路径,并与教育机构合作,扩大其影响力。这些形式契合年轻用户的消费习惯,让金融教育更容易普及、更有趣。
金融诈骗和诈骗盛行
Z世代和千禧世代在数位平台上更加活跃,这让他们更容易受到网路钓鱼、投资诈骗和身分盗窃的攻击。虚假理财顾问和欺骗性加密方案的兴起正在造成财务损失,并削弱人们对数位金融的信任。年轻一代的网路安全意识也较低,这让他们更容易受到诈骗。应对这项威胁需要强而有力的数位安全教育、多因素身分验证工具,以及金融科技公司和监管机构之间的合作,以识别和清除不良行为者。
疫情加速了Z世代和千禧世代的数位化,再形成了他们的财务优先事项和行为。实体银行服务的中断导致用户转向使用行动应用程式进行预算、投资和信用监控。远距学习和在家工作模式增加了使用者使用萤幕的时间和对金融内容的参与度。然而,经济的不确定性导致人们更加谨慎地消费,增加储蓄,并对应急资金和被动收入策略的兴趣日益浓厚。
信用评分管理部门预计将成为预测期内最大的部门
由于年轻一代对信用健康的意识不断增强,因此预计信用评分管理领域将在预测期内占据最大的市场份额。随着教育、住房和生活方式消费对信贷的依赖程度日益加深,Z世代和千禧世代正在积极寻求能够提供即时信用追踪、改进建议和个人化推荐的平台。与BNPL服务和贷款合格计算器的整合进一步增强了这些工具的效用,使其成为财务规划的重要组成部分。
预计在预测期内,投资和小额投资平台部分将以最高的复合年增长率成长。
预计投资和小额投资平台细分市场将在预测期内实现最高成长率。这些平台允许用户以最低资本开始投资,并提供零碎股票、自动化投资组合和教育内容,从而实现投资的民主化。 Z世代对加密货币、ESG投资和去中心化金融的兴趣推动了对直觉、行动优先解决方案的需求。该细分市场受益于网红主导的营销和基于社区的投资模式,这些模式与年轻人群产生了共鸣。
预计北美将在预测期内占据最大市场份额,这得益于其金融科技的高普及率、强大的数位基础设施以及积极的金融教育倡议。该地区拥有众多领先的新兴企业和成熟企业,为青少年提供金融知识工具。政府资助的计画和学校课程正在进一步推动市场扩张。此外,学生贷款和信用消费的盛行也推动了千禧世代和Z世代对金融指导的需求。
受智慧型手机快速普及、中阶人口成长以及金融科技生态系统不断扩张的推动,亚太地区预计将在预测期内实现最高的复合年增长率。印度、印尼和越南等国家正涌现大量以年轻人为中心的金融平台,这些平台将游戏化学习与本地语言内容结合。透过行动优先解决方案和政府主导素养宣传活动,各地区正在努力解决资金取得性的差异。该地区充满活力的新兴企业格局和良好的法规环境是关键的成长动力。
According to Stratistics MRC, the Global Gen Z & Millennials Financial Literacy Market is accounted for $10.27 billion in 2025 and is expected to reach $17.84 billion by 2032 growing at a CAGR of 8.2% during the forecast period. Gen Z and Millennials' financial literacy is the understanding and application of financial concepts such as budgeting, saving, investing, credit management, and debt reduction. This literacy is shaped by digital tools, economic challenges, and evolving financial landscapes. While tech-savvy and open to innovation, these generations often face gaps in formal financial education. Enhancing their financial literacy is crucial for informed decision-making, long-term financial stability, and adapting to changing economic conditions and opportunities in a digital-first world.
According to a study published in the Swiss Journal of Economics and Statistics, financial literacy remains low even in advanced economies, with only about one-third of the global population demonstrating familiarity with basic financial concepts essential for everyday decision-making.
Digital-native learning preference
Gen Z and Millennials are inherently comfortable with digital ecosystems, preferring interactive and mobile-based financial education tools over traditional formats. Their affinity for bite-sized content, social media engagement, and gamified learning modules has reshaped how financial literacy is delivered. Platforms that integrate real-time feedback, personalized dashboards, and peer-to-peer learning are gaining traction. This shift is further supported by the proliferation of fintech apps that simplify budgeting, investing, and credit tracking.
Information overload & misinformation
The abundance of unverified advice on social platforms, coupled with algorithm-driven echo chambers, often leads to confusion and poor financial decisions. This environment complicates efforts to build foundational financial knowledge, especially among first-time earners and students. Moreover, the lack of standardized financial education across schools and institutions exacerbates disparities in financial understanding.
Developing mobile-first apps, gamified modules, and short-form video content
Gamification elements such as rewards, challenges, and progress tracking are proving effective in boosting engagement and retention. Short-form videos, especially those optimized for platforms like Instagram Reels and YouTube Shorts, are becoming powerful tools for delivering financial tips and tutorials. Startups and fintech firms are leveraging AI to personalize learning paths, while partnerships with educational institutions are expanding reach. These formats align with the consumption habits of younger users, making financial education more accessible and enjoyable
Prevalence of financial scams & fraud
Gen Z and Millennials, often active on digital platforms, are vulnerable to phishing, investment fraud, and identity theft. The rise of fake financial advisors and deceptive crypto schemes has led to monetary losses and eroded trust in digital finance. Additionally, limited awareness of cybersecurity practices among younger users heightens exposure to fraud. Combating this threat requires robust digital safety education, multi-factor authentication tools, and collaboration between fintech firms and regulators to flag and remove malicious actors
The pandemic accelerated digital adoption among Gen Z and Millennials, reshaping their financial priorities and behaviors. With physical banking services disrupted, users turned to mobile apps for budgeting, investing, and credit monitoring. Remote learning and work-from-home models increased screen time, boosting engagement with financial content. However, economic uncertainty led to cautious spending, increased savings, and a surge in interest toward emergency funds and passive income strategies.
The credit score management segment is expected to be the largest during the forecast period
The credit score management segment is expected to account for the largest market share during the forecast period due to rising awareness of credit health among young adults. With increasing reliance on credit for education, housing, and lifestyle purchases, Gen Z and Millennials are actively seeking platforms that offer real-time credit tracking, improvement tips, and personalized recommendations. Integration with BNPL services and loan eligibility calculators further enhances the utility of these tools, making them indispensable for financial planning.
The investment & micro-investing platforms segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the investment & micro-investing platforms segment is predicted to witness the highest growth rate as these platforms democratize investing by allowing users to start with minimal capital and offering fractional shares, automated portfolios, and educational content. Gen Z's interest in cryptocurrencies, ESG investing, and decentralized finance is fueling demand for intuitive, mobile-first solutions. The segment benefits from influencer-driven marketing and community-based investing models that resonate with younger audiences.
During the forecast period, the North America region is expected to hold the largest market share driven by high fintech penetration, robust digital infrastructure, and proactive financial education initiatives. The region hosts leading startups and established players offering tailored financial literacy tools for youth. Government-backed programs and school-based curricula further support market expansion. Additionally, the prevalence of student loans and credit-based consumption has heightened demand for financial guidance among Millennials and Gen Z.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR due to rapid smartphone adoption, growing middle-class populations, and expanding fintech ecosystems. Countries like India, Indonesia, and Vietnam are witnessing a surge in youth-focused financial platforms that blend vernacular content with gamified learning. Regional disparities in financial access are being addressed through mobile-first solutions and government-led digital literacy campaigns. The region's dynamic startup landscape and favorable regulatory environment are key growth drivers.
Key players in the market
Some of the key players in Gen Z & Millennials Financial Literacy Market include NerdWallet, Credit Karma, Mint, Acorns, Stash, Robinhood, SoFi, Wealthsimple, Revolut, Chime, Betterment, Greenlight, EverFi, Khan Academy, Next Gen Personal Finance (NGPF), Junior Achievement, Cleo, YNAB, LearnVest, and PocketGuard.
In September 2025, Revolut expanded its partnership with Google Cloud to scale toward 100M+ users globally. The collaboration includes AI tools for fraud detection and personalized financial services. It supports Revolut's aggressive product roadmap including ATMs and mortgages.
In September 2025, Chime introduced a redesigned credit card offering cash-back rewards and fee-free banking. The product targets Gen Z and millennial users seeking flexible credit-building tools. It complements Chime's IPO momentum and enterprise partnerships.
In September 2025, NGPF supported new mandates making financial literacy a graduation requirement in California and Texas. It also partnered with Dow Jones to provide 1,000 WSJ and MarketWatch subscriptions to educators. These moves advance NGPF's goal of universal financial education by 2030.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.