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给孩子零花钱也得“移动化”了,无现金社会

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  These apps aim to overcome this, claiming to teach children financial concepts, such as budgeting, interest rates and income.

  如许一来,孩子们就有了适宜的情况和根底来最大限度地操纵这些使用法式和他们的钱。他们有能够不睬解钱的真正代价,并养成不良的消耗风俗。它另有一个“家务”功用,怙恃能够付钱让孩子完立室务。有人担心称,向儿童推出数字货泉使用法式能够会鼓舞不负义务的消耗风俗。更主要的是6到12岁时期,你对怙恃的钱持甚么立场,和跟这些钱的干系。鼓舞消耗仍是借债?孩子们此后能够不会再把零费钱存在存钱罐里了。

  One concern is that introducing digital money apps to young children could help to encourage irresponsible spending habits.

  Michael Longmire/unsplashTo reflect this trend, a flurry of mobile budgeting apps for children has sprung up worldwide: GoHenry, Osper and Gimi to name a few.开辟这些使用法式的企业称,在一个愈来愈无现金化的社会里,这些法式能够成为一种教诲孩子理财的贵重方法。”带来宏大商机这些使用法式为孩子们供给简朴的理财效劳,凡是由怙恃每个月付出用度。但伦敦银行与金融研讨所金融财力部分总司理凯瑟琳?温特正告称,虽然数字东西能够有所协助,但金融教诲需求一种更构造化的办法。”Tierra Mallorca/unsplash为了紧跟潮水,环球呈现了多个儿童挪动理财使用法式,好比GoHenry、Osper和Gimi等等。”比方,瑞典的使用法式Gimi在环球具有120万用户,它具有假造存钱罐,孩子们能够在内里存钱,怙恃能够给孩子付出储备利钱。The companies behind the apps argue that in an increasingly cashless society, they can be a valuable way of teaching young children about money.他说:“你不会由于具有经济学学位就变得更善于理财。该账户附带一张预支卡,今朝只能在瑞典利用,但估计将于2020年在欧洲其他国度和地域推出。按照尺度普尔的环球金融素养查询拜访,环球三分之二的成年人没有承受过金融教诲,四分之一的青少年以至没法对一样平常收入做出简朴决议。The growth of digital banking has affected how parents doll out pocket money, with one in three parents in the United Kingdom doing it digitally, according to a recent report by the financial comparison website Money.co.uk.Gimi的首席施行官菲利普·哈格伦德在承受美国有线消息网贸易频道采访时说:“现金是传授金融常识的最好方法,由于它是无形的,简单把握。一些商家捉住商机,开辟出了手机使用法式,不只能帮怙恃付出零费钱,还能协助孩子学会理财,但也有人担忧这会让孩子养成过分消耗的恶习。还在用“小猪存钱罐”?跟着收集付出和挪动付出的提高,很多怙恃连给孩子零费钱都要经由过程手机来付出了。这些使用旨在处理这一成绩,宣称能教会孩子们理财的观点,好比预算、利率和支出。这些使用法式倡议预支卡的最低利用年齿为6至9岁!

  For instance, the Swedish app Gimi -— with 1.2 million users globally — has virtual savings jars where children can deposit money; parents can pay children interest as they save; and there is a chores feature, where parents can pay children for completing household tasks.

  "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."Haglund believes the app can teach responsible spending habits, whereas schools tend to focus more on economic theory.overdraft [???v?drɑ?ft]:n.透支;透支额The area should "have regular, dedicated, classroom time and ideally should be taught as a standalone subject," she said. "Children would then have the right context and foundation to get the most out of both the apps and their money."但是,哈格伦德说,孩子们不会受此搅扰,由于怙恃能够监视他们的消耗风俗,并且没有任何一项效劳供给透支,如许孩子们就不会欠债。”"You dont become better at money management just because you have a degree in economics. Its more about the attitude and the relationship you have with parents money when youre six to 12 years old," he says."Theres a big opportunity," Aurelian Guichard, the product owner for Revolut Youth, tells CNN Business.The account is attached to a prepaid card that is currently available in Sweden only, but expected to launch elsewhere in Europe in 2020.金融比力网站money.co.uk近来公布的一份陈述显现,数字银行的开展曾经影响了怙恃们给孩子零费钱的方法,在英国,三分之一的怙恃用数字方法给孩子零费钱。跟着无现金社会的开展,零费钱也在数字化。Plus, it is important for kids to learn and make mistakes, says Guichard.别的,吉查德说,对孩子来讲,进修和出错都很主要。”Two thirds of adults globally are financially illiterate, according to Standard & Poors Global Financial Literacy Survey, and one in four teenagers are unable to make even simple decisions on everyday spending.他说:“大家想协助孩子和青少年得到毕生的理财妙技,越早越好,由于假如你在8岁时犯代价10英镑的毛病,总比你28岁时犯代价1000英镑的毛病要好。”无现金社会,给孩子零费钱也得“挪动化”了温特说:“假如孩子们不具有优良的财政才能根底,那末这些使用就有能够被视为另外一种游戏。怙恃能够将钱存入孩子的账户,设定限额并监控买卖,而孩子能够挑选存钱或利用相似借记卡的预支卡消耗。As a whole, kids aged 13-19, are estimated to contribute ?1.7 billion into the UK economy each year, according to the Teenage Finance Report from financial services providers OneFamily.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.This could translate to customers for life, as according to the UKs Competition and Markets Authority only 3% of personal customers switch to a different bank in any year.哈格伦德以为,这款使用能够教会门生负义务的消耗风俗,而黉舍常常更存眷经济实际。These apps offer a simple money management service for children, often for a monthly subscription fee paid by the parents. Parents can add money to childrens accounts, set limits and monitor transactions, while children can choose to save their money or spend it using a prepaid card that works like a debit card. The apps suggest minimum ages ranging from six to nine for the prepaid card."Cash was the best way to teach financial literacy because its so tangible and so easy to grasp," Philip Haglund, CEO of Gimi, tells CNN Business. "Now money is being transferred through some kind of cyberspace, which is really abstract and hard for anyone to understand.""If children dont have a good foundation in financial capability, theres a risk that money apps could be seen as just another game," says Winter. "Theres a risk that they wont learn about the real value of money and might develop bad money habits."“大家有一款针对成年人使用……因而,大家能让儿童用户逐步过分为成人用户。

  But Catherine Winter, managing director of financial capability at The London Institute of Banking and Finance, warns that while digital tools can help there needs to be a more structured approach to financial education.

  按照英国合作与市场办理局的数据,这些使用法式的利用者能够会转化为毕生的客户,由于每一年只要3%的小我私家客户会转到另外一家银行。

  Children may not be stashing coins in piggy banks for much longer; with the move towards a cashless society, pocket money is moving digital."We want to help kids and teenagers gain financial skills for life, and the earlier you do that the better, because if youre going to make a mistake of ?10 at eight, its better than making a mistake of ?1,000 when youre 28," he says.如今,钱经由过程收集转账,这真的很笼统,人们都很难了解。负义务的消耗使用法式Revolut Youth的产物卖力人奥雷利安·吉查德报告美国有线消息网贸易频道说:“这储藏着宏大的商机。”她说,这个范畴该当“有牢固的、特地的教室工夫,最好是作为一个自力的学科来传授。按照金融效劳供给商“一家人”公布的《青少年理财陈述》,13-19岁的青少年每一年为英国经济奉献约17亿英镑(约合群众币157亿元)。
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给孩子零花钱也得“移动化”了,无现金社会

发布时间:2019-12-18 15:35:50 浏览数:1403

  These apps aim to overcome this, claiming to teach children financial concepts, such as budgeting, interest rates and income.

  如许一来,孩子们就有了适宜的情况和根底来最大限度地操纵这些使用法式和他们的钱。他们有能够不睬解钱的真正代价,并养成不良的消耗风俗。它另有一个“家务”功用,怙恃能够付钱让孩子完立室务。有人担心称,向儿童推出数字货泉使用法式能够会鼓舞不负义务的消耗风俗。更主要的是6到12岁时期,你对怙恃的钱持甚么立场,和跟这些钱的干系。鼓舞消耗仍是借债?孩子们此后能够不会再把零费钱存在存钱罐里了。

  One concern is that introducing digital money apps to young children could help to encourage irresponsible spending habits.

  Michael Longmire/unsplashTo reflect this trend, a flurry of mobile budgeting apps for children has sprung up worldwide: GoHenry, Osper and Gimi to name a few.开辟这些使用法式的企业称,在一个愈来愈无现金化的社会里,这些法式能够成为一种教诲孩子理财的贵重方法。”带来宏大商机这些使用法式为孩子们供给简朴的理财效劳,凡是由怙恃每个月付出用度。但伦敦银行与金融研讨所金融财力部分总司理凯瑟琳?温特正告称,虽然数字东西能够有所协助,但金融教诲需求一种更构造化的办法。”Tierra Mallorca/unsplash为了紧跟潮水,环球呈现了多个儿童挪动理财使用法式,好比GoHenry、Osper和Gimi等等。”比方,瑞典的使用法式Gimi在环球具有120万用户,它具有假造存钱罐,孩子们能够在内里存钱,怙恃能够给孩子付出储备利钱。The companies behind the apps argue that in an increasingly cashless society, they can be a valuable way of teaching young children about money.他说:“你不会由于具有经济学学位就变得更善于理财。该账户附带一张预支卡,今朝只能在瑞典利用,但估计将于2020年在欧洲其他国度和地域推出。按照尺度普尔的环球金融素养查询拜访,环球三分之二的成年人没有承受过金融教诲,四分之一的青少年以至没法对一样平常收入做出简朴决议。The growth of digital banking has affected how parents doll out pocket money, with one in three parents in the United Kingdom doing it digitally, according to a recent report by the financial comparison website Money.co.uk.Gimi的首席施行官菲利普·哈格伦德在承受美国有线消息网贸易频道采访时说:“现金是传授金融常识的最好方法,由于它是无形的,简单把握。一些商家捉住商机,开辟出了手机使用法式,不只能帮怙恃付出零费钱,还能协助孩子学会理财,但也有人担忧这会让孩子养成过分消耗的恶习。还在用“小猪存钱罐”?跟着收集付出和挪动付出的提高,很多怙恃连给孩子零费钱都要经由过程手机来付出了。这些使用旨在处理这一成绩,宣称能教会孩子们理财的观点,好比预算、利率和支出。这些使用法式倡议预支卡的最低利用年齿为6至9岁!

  For instance, the Swedish app Gimi -— with 1.2 million users globally — has virtual savings jars where children can deposit money; parents can pay children interest as they save; and there is a chores feature, where parents can pay children for completing household tasks.

  "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."Haglund believes the app can teach responsible spending habits, whereas schools tend to focus more on economic theory.overdraft [???v?drɑ?ft]:n.透支;透支额The area should "have regular, dedicated, classroom time and ideally should be taught as a standalone subject," she said. "Children would then have the right context and foundation to get the most out of both the apps and their money."但是,哈格伦德说,孩子们不会受此搅扰,由于怙恃能够监视他们的消耗风俗,并且没有任何一项效劳供给透支,如许孩子们就不会欠债。”"You dont become better at money management just because you have a degree in economics. Its more about the attitude and the relationship you have with parents money when youre six to 12 years old," he says."Theres a big opportunity," Aurelian Guichard, the product owner for Revolut Youth, tells CNN Business.The account is attached to a prepaid card that is currently available in Sweden only, but expected to launch elsewhere in Europe in 2020.金融比力网站money.co.uk近来公布的一份陈述显现,数字银行的开展曾经影响了怙恃们给孩子零费钱的方法,在英国,三分之一的怙恃用数字方法给孩子零费钱。跟着无现金社会的开展,零费钱也在数字化。Plus, it is important for kids to learn and make mistakes, says Guichard.别的,吉查德说,对孩子来讲,进修和出错都很主要。”Two thirds of adults globally are financially illiterate, according to Standard & Poors Global Financial Literacy Survey, and one in four teenagers are unable to make even simple decisions on everyday spending.他说:“大家想协助孩子和青少年得到毕生的理财妙技,越早越好,由于假如你在8岁时犯代价10英镑的毛病,总比你28岁时犯代价1000英镑的毛病要好。”无现金社会,给孩子零费钱也得“挪动化”了温特说:“假如孩子们不具有优良的财政才能根底,那末这些使用就有能够被视为另外一种游戏。怙恃能够将钱存入孩子的账户,设定限额并监控买卖,而孩子能够挑选存钱或利用相似借记卡的预支卡消耗。As a whole, kids aged 13-19, are estimated to contribute ?1.7 billion into the UK economy each year, according to the Teenage Finance Report from financial services providers OneFamily.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.This could translate to customers for life, as according to the UKs Competition and Markets Authority only 3% of personal customers switch to a different bank in any year.哈格伦德以为,这款使用能够教会门生负义务的消耗风俗,而黉舍常常更存眷经济实际。These apps offer a simple money management service for children, often for a monthly subscription fee paid by the parents. Parents can add money to childrens accounts, set limits and monitor transactions, while children can choose to save their money or spend it using a prepaid card that works like a debit card. The apps suggest minimum ages ranging from six to nine for the prepaid card."Cash was the best way to teach financial literacy because its so tangible and so easy to grasp," Philip Haglund, CEO of Gimi, tells CNN Business. "Now money is being transferred through some kind of cyberspace, which is really abstract and hard for anyone to understand.""If children dont have a good foundation in financial capability, theres a risk that money apps could be seen as just another game," says Winter. "Theres a risk that they wont learn about the real value of money and might develop bad money habits."“大家有一款针对成年人使用……因而,大家能让儿童用户逐步过分为成人用户。

  But Catherine Winter, managing director of financial capability at The London Institute of Banking and Finance, warns that while digital tools can help there needs to be a more structured approach to financial education.

  按照英国合作与市场办理局的数据,这些使用法式的利用者能够会转化为毕生的客户,由于每一年只要3%的小我私家客户会转到另外一家银行。

  Children may not be stashing coins in piggy banks for much longer; with the move towards a cashless society, pocket money is moving digital."We want to help kids and teenagers gain financial skills for life, and the earlier you do that the better, because if youre going to make a mistake of ?10 at eight, its better than making a mistake of ?1,000 when youre 28," he says.如今,钱经由过程收集转账,这真的很笼统,人们都很难了解。负义务的消耗使用法式Revolut Youth的产物卖力人奥雷利安·吉查德报告美国有线消息网贸易频道说:“这储藏着宏大的商机。”她说,这个范畴该当“有牢固的、特地的教室工夫,最好是作为一个自力的学科来传授。按照金融效劳供给商“一家人”公布的《青少年理财陈述》,13-19岁的青少年每一年为英国经济奉献约17亿英镑(约合群众币157亿元)。
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