根据金融服务提供商“一家人”发布的《青少年理财报告》,13-19岁的青少年每年为英国经济贡献约17亿英镑(约合人民币157亿元)。
"There's a big opportunity," Aurelian Guichard, the product owner for Revolut Youth, tells cnn Business.
应用程序Revolut Youth的产品负责人奥雷利安·吉查德告诉美国有线资讯网商业频道说:“这蕴藏着巨大的商机。”
"We have an app for adults ... so we will be able to build a transition from being a Revolut Youth user to becoming a normal user."
“我们有一款针对成年人应用……因此,我们能让儿童用户逐渐过度为成人用户。”
This could translate to customers for life, as according to the UK's Competition and Markets Authority only 3% of personal customers switch to a different bank in any year.
根据英国竞争与市场管理局的数据,这些应用程序的使用者可能会转化为终生的客户,因为每年只有3%的个人客户会转到另一家银行。
鼓励消费还是借债?
One concern is that introducing digital money apps to young children could help to encourage irresponsible spending habits.
有人担忧称,向儿童推出数字货币应用程序可能会鼓励不负责任的消费习惯。
"If children don't have a good foundation in financial capability, there's a risk that money apps could be seen as just another game," says Winter. "There's a risk that they won't learn about the real value of money and might develop bad money habits."
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