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市場調查報告書
商品編碼
1833474
Z 世代和千禧世代金融知識市場預測至 2032 年:按產品類型、交付類型、內容格式和教學方法、交付模式、收益模式、最終用戶和地區進行的全球分析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 |
根據 Stratistics MRC 的數據,全球 Z 世代和千禧世代金融知識市場預計在 2025 年達到 102.7 億美元,到 2032 年將達到 178.4 億美元,預測期內的複合年成長率為 8.2%。
Z世代和千禧世代的金融素養是指理解並運用預算、儲蓄、投資、信用管理和債務減免等金融概念。這種素養受到數位工具、經濟挑戰和不斷變化的金融格局的影響。儘管這些世代精通科技並樂於創新,但他們在正規金融教育方面往往存在差距。提升金融素養對於做出明智的決策、維持長期財務穩定以及適應數位優先時代不斷變化的經濟狀況和機會至關重要。
《瑞士經濟與統計雜誌》發表的一項研究發現,即使在已開發國家,金融知識水平仍然很低,全球只有約三分之一的人口熟悉日常決策所必需的基本金融概念。
數位原民的學習偏好
Z世代和千禧世代天生就對數位生態系統駕輕就熟,相較於傳統模式,更青睞互動式、行動裝置為基礎的金融教育工具。他們對簡短內容、社群媒體互動和遊戲化學習模組的親和性,正在再形成金融知識的傳播方式。整合即時回饋、個人化儀錶板和P2P學習的平台正日益普及。簡化預算、投資和信用追蹤的金融科技應用程式的激增,進一步推動了這種轉變。
訊息過載和錯誤訊息
社交平臺上檢驗的建議氾濫,加上演算法主導的“回音室效應”,往往導致混亂和糟糕的財務決策。這種環境使基礎金融知識的培養工作更加複雜,尤其對首次賺錢的人群和學生而言。此外,學校和教育機構缺乏標準化的金融教育,加劇了人們對金融理解的差異。
行動優先應用程式、遊戲化模組和短影片內容的開發
獎勵、挑戰和進度追蹤等遊戲化元素已被證明能夠有效提升用戶參與度和留存率。短影片,尤其是針對 Instagram Reels 和 YouTube Shorts 等平台最佳化的影片,正成為傳遞金融技巧和教程的強大工具。新興企業和金融科技公司正在利用人工智慧來個人化學習路徑,並與教育機構合作,擴大其影響力。這些形式契合年輕用戶的消費習慣,讓金融教育更容易普及、更有趣。
金融詐騙和詐騙盛行
Z世代和千禧世代在數位平台上更加活躍,這讓他們更容易受到網路釣魚、投資詐騙和身分盜竊的攻擊。虛假理財顧問和欺騙性加密方案的興起正在造成財務損失,並削弱人們對數位金融的信任。年輕一代的網路安全意識也較低,這讓他們更容易受到詐騙。應對這項威脅需要強而有力的數位安全教育、多因素身分驗證工具,以及金融科技公司和監管機構之間的合作,以識別和清除不良行為者。
疫情加速了Z世代和千禧世代的數位化,再形成了他們的財務優先事項和行為。實體銀行服務的中斷導致用戶轉向使用行動應用程式進行預算、投資和信用監控。遠距學習和在家工作模式增加了使用者使用螢幕的時間和對金融內容的參與度。然而,經濟的不確定性導致人們更加謹慎地消費,增加儲蓄,並對應急資金和被動收入策略的興趣日益濃厚。
信用評分管理部門預計將成為預測期內最大的部門
由於年輕一代對信用健康的意識不斷增強,因此預計信用評分管理領域將在預測期內佔據最大的市場佔有率。隨著教育、住房和生活方式消費對信貸的依賴程度日益加深,Z世代和千禧世代正在積極尋求能夠提供即時信用追蹤、改進建議和個人化推薦的平台。與BNPL服務和貸款合格計算器的整合進一步增強了這些工具的效用,使其成為財務規劃的重要組成部分。
預計在預測期內,投資和小額投資平台部分將以最高的複合年成長率成長。
預計投資和小額投資平台細分市場將在預測期內實現最高成長率。這些平台允許用戶以最低資本開始投資,並提供零碎股票、自動化投資組合和教育內容,從而實現投資的民主化。 Z世代對加密貨幣、ESG投資和去中心化金融的興趣推動了對直覺、行動優先解決方案的需求。該細分市場受益於網紅主導的行銷和基於社區的投資模式,這些模式與年輕人群產生了共鳴。
預計北美將在預測期內佔據最大市場佔有率,這得益於其金融科技的高普及率、強大的數位基礎設施以及積極的金融教育舉措。該地區擁有眾多領先的新興企業和成熟企業,為青少年提供金融知識工具。政府資助的計畫和學校課程正在進一步推動市場擴張。此外,學生貸款和信用消費的盛行也推動了千禧世代和Z世代對金融指導的需求。
受智慧型手機快速普及、中階人口成長以及金融科技生態系統不斷擴張的推動,亞太地區預計將在預測期內實現最高的複合年成長率。印度、印尼和越南等國家正湧現大量以年輕人為中心的金融平台,這些平台將遊戲化學習與本地語言內容結合。透過行動優先解決方案和政府主導素養宣傳活動,各地區正在努力解決資金取得性的差異。該地區充滿活力的新興企業格局和良好的法規環境是關鍵的成長動力。
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.