IMillennials: Ukubhankisha iThuba

I-GlobalData's Millennials: Ukubhankisha ingxelo yeThuba igxininisa ukuba kwiminyaka engamashumi amabini edlulileyo, i-millennials ikhulile ngokobukhulu bayo, amandla ezoqoqosho, kunye nefuthe lenkcubeko yoluntu. Abaninzi beMillennials bakwimisebenzi yabo kwaye bakulungele ukutyala imali kunye nokusebenzisa iingcebiso zemali. Izibophelelo zabo zemali zangoku nezisemnyango – ezinjengokuhlawula imfundo yamabanga aphakamileyo, nokuthenga indlu okanye imoto yabo yokuqala – ziya kuphembelela ukukhula kwicandelo leebhanki kwikamva elibonakalayo. Ishishini kufuneka liphendule ngezicwangciso eziliqili eziphakamisa utshintsho kwindlela yokuziphatha ebhankini kwaye libambe ithuba lokuvuthwa.

Iziphumo eziphambili ezixoxwe kwingxelo ziquka:

• I-Millennium yokungena kwi-over-indexes kwi-14 ye-21 iintlobo zokubamba imali. Oku kugxininisa ukubaluleka kokujolisa kwaba bathengi ngeemveliso abazixabisileyo eziziswe ngeendlela abazithandayo.
• I-Millennials over-index ngokuchasene nemarike jikelele yesiganeko ngasinye esikhulu ngokunjalo (ngaphandle komhlalaphantsi). Ababoneleli bemali abanakukwazi ukuphoswa lithuba lokukhula elinokubakho lexesha elide lokuxhasa iimfuno zemali zemihla ngemihla zemillennials kunye neziganeko ezibalulekileyo zobomi.
• Nangona kunjalo, iiMillennials zisenza ukhetho olukhuselekileyo / oluhambelanayo malunga nokuba ungabhanka phi. Bavakalisa ukwaneliseka okuphakathi ngokubamba imveliso yabo, nangona kukho umdla wokwenene kwizinto ezintsha (ingakumbi zedijithali) zemveliso.
• Namhlanje, iwaka leminyaka lithatha malunga nesithathu sabemi behlabathi. E-China, apho i-millennials ithatha i-22% kunye ne-28% yabantu abadala belizwe kunye nabantu abadala (20+) ngokulandelelana, kuqikelelwa ukuba amanani e-millennials angaphezulu kwenani labantu base-US. Oku kuluphawu lwendlela phantse i-90% yeminyaka eyiwaka yehlabathi ephila kuqoqosho olusakhulayo ngenxa yempembelelo yokuzalwa esezantsi kunye namazinga okufa kuqoqosho oluphambili. Ukumelwa okunamandla kuyo yonke imimandla kuthetha ukuba iwaka leminyaka limele iqela labantu behlabathi elingaphezu kwebhiliyoni e-1 yabantu.
• Ingcinga elumkileyo malunga nobunini bekhadi letyala okanye ukusetyenziswa (efana naleyo ityhilwe kuphando lwe-Experian) iyaqondakala xa kujongwa izinga elikhulayo letyala elibonisa ubomi beminyaka eliwaka abancinci kunye nesiZukulwana Z.
• IMillennials inokuba namava amaninzi eziganeko zobomi eziphambili kwiminyaka ezayo. Iibhanki zingenza imali kule nto ngeemveliso ezijoliswe kuzo ezenzelwe ukuququzelela ezi ziganeko okanye ukunciphisa ukuphazamiseka okubangelwayo.

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