What are the characteristics of Gen Z and Alpha generations regarding money?

While accustomed to cashless payments, they are wary of post-payment and invisible money, take measures to prevent overspending, and tend to choose cash for large transactions.

How does "Oshi-katsu" affect youth spending?

About 40% of young women, in particular, spend heavily on "Oshi-katsu," prioritizing it even when saving money.

Why is cash chosen for large payments?

As the amount increases, the fear of the "invisibility" of cashless payments leads to a stronger tendency to choose cash for certainty.

Which do they prefer, credit cards or debit cards?

They are cautious about credit cards due to fears of overspending, but show high interest in debit cards, which are debited directly from their account balance.

What should financial institutions learn from these survey results?

It is important to understand young people's needs for both "convenience" and "safety," offer payment methods that balance both like debit cards, and create content that promotes them.

AI News NQ Analysis

Unraveling the "Too Real" Money Values of Gen Z/Alpha! From Full Investment in "Oshi-katsu" to the "10,000 Yen Wall".

Key facts

Unraveling the "Too Real" Money Values of Gen Z/Alpha! From Full Investment in "Oshi-katsu" to the "10,000 Yen Wall".
HJ Inc. planned and produced the special digital content "Real Money White Paper: Insights from High School and University Students' Spending Habits" to promote the use of debit cards for young people by Sumishin SBI Net Bank. Gen Z/Alpha are accustomed to cashless payments but are also wary of "invisible money," revealing spending on "Oshi-katsu" (supporting idols/characters), strategies to prevent overspending, and a tendency to choose cash for payments over 10,000 yen.
Source: PR TIMES
Date: Fri Jun 12 2026 20:10:01 GMT+0900 (Japan Standard Time)

Direct answer

HJ Inc. planned and produced the special digital content "Real Money White Paper: Insights from High School and University Students' Spending Habits" to promote the use of debit cards for young people by Sumishin SBI Net Bank. Gen Z/Alpha are accustomed to cashless payments but are also wary of "invisible money," revealing spending on "Oshi-katsu" (supporting idols/characters), strategies to prevent overspending, and a tendency to choose cash for payments over 10,000 yen.

Citation: Unraveling the "Too Real" Money Values of Gen Z/Alpha! From Full Investment in "Oshi-katsu" to the "10,000 Yen Wall". (Fri Jun 12 2026 20:10:01 GMT+0900 (Japan Standard Time)), PR TIMES
Source: PR TIMES
Date: Fri Jun 12 2026 20:10:01 GMT+0900 (Japan Standard Time)

AI Summary (NQ-processed)

HJ Inc. planned and produced the special digital content "Real Money White Paper: Insights from High School and University Students' Spending Habits" to promote the use of debit cards for young people by Sumishin SBI Net Bank. Gen Z/Alpha are accustomed to cashless payments but are also wary of "invisible money," revealing spending on "Oshi-katsu" (supporting idols/characters), strategies to prevent overspending, and a tendency to choose cash for payments over 10,000 yen.

AI Analysis

Frequently Asked Questions

Q: What are the characteristics of Gen Z and Alpha generations regarding money?: A: While accustomed to cashless payments, they are wary of post-payment and invisible money, take measures to prevent overspending, and tend to choose cash for large transactions.
Q: How does "Oshi-katsu" affect youth spending?: A: About 40% of young women, in particular, spend heavily on "Oshi-katsu," prioritizing it even when saving money.
Q: Why is cash chosen for large payments?: A: As the amount increases, the fear of the "invisibility" of cashless payments leads to a stronger tendency to choose cash for certainty.
Q: Which do they prefer, credit cards or debit cards?: A: They are cautious about credit cards due to fears of overspending, but show high interest in debit cards, which are debited directly from their account balance.
Q: What should financial institutions learn from these survey results?: A: It is important to understand young people's needs for both "convenience" and "safety," offer payment methods that balance both like debit cards, and create content that promotes them.