To financial management, and the sensitivity to discounts has also increased. For example, before spending, they will crawl the Internet to compare prices, which credit phone database card is more favorable, and the reward points are more and more practical? Where can I get coupons? In addition, Generation Z grew up in the era of information explosion, and only fast and accurate information and processes can capture their preferences, so simplified consumption process is what they are looking for, especially the instant and smooth user experience, which can satisfy their current needs. Enjoy, and hit their pain points better.
If you want to attack the Gen Z market, there are many obstacles to traditional consumption methods Looking at the current financial institutions, although they all want to attack the market of Generation Z, the traditional model still erects a high wall. For example, the discounts of traditional credit cards are mainly tied to entities, but for Gen Z consumers, they value digital experience and are accustomed to online consumption, whether it is 3C supplies, cosmetics, daily necessities, and even insurance and other services can be done on the e-commerce platform , the physical preferential method is not enough for Gen Z.
In addition, in the past, the credit card verification process was complicated and took a long time, especially for Gen Z, who are credit card novices and do not have any credit history, the process of waiting for the card verification will also be long; in addition, many credit card first brush gifts , all require that the conditions be completed within 30 to 50 days after the card is checked, but it takes a few days from the time of checking the card to the time when the card is obtained, which has also raised the threshold for discounts. After getting a credit card,