"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。
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."
温特说:“如果孩子们不具备良好的财务能力基础,那么这些应用就有可能被视为另一种游戏。他们有可能不了解钱的真正价值,并养成不良的消费习惯。”
However, Haglund says children are protected from this as parents can monitor their spending habits and none of the services offer an overdraft so children cannot go into debt.
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2020-09-15
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