Phuputso ea sechaba ea lilemong tse fetang 1 000, e lilemo li 19-34 ke Experian e fumana hore lilemo tse sekete li na le likoloto tse tlaase ka ho fetisisa tsa meloko eohle. Ho sa tsotellehe taba ena, ho na le litsela tse ngata tseo ba likete tse sekete le ba baholo ba lilemong tsa bona ba sebetsang hantle licheleteng, 'me litsela tse ngata ba etsa lintho ka tsela e fapaneng le ea batsoali ba bona kapa ba ntse ba e etsa. Joaloka ntho e 'ngoe le e' ngoe ka lilemo tse likete, theknoloji e tloaelehile, ka li-inthanete, li-app le lisebelisoa tse ling tsa digital le liforomo mokhoa o ka sehloohong oa ho laola lichelete tsa bona.
Har'a tse ling tse fumanoeng ke phihlelo ea phuputso ena e bile lintlha tsena:
- Lilemo tse Sekete li fapane ka maikutlo a lichelete tsa bona; ha ba na ts'oaetso empa ba itšetlehile ka ho ba le tšepo
- Palo e makatsang ha e na tsebo ka mokitlane - kapa e bontša ho se tsotelle
- Boholo ba 'nile ba e-ba le meputso ea bona, boiteko ba ho alima chelete kapa ba ho hira ba ile ba ameha - ka tsela e ntle kapa e mpe - ka likoloto tsa likoloto
- Lilemo tse Sekete li amohela thekenoloji 'me li potlakela ho leka linyehelo tse ncha - ka litšenyehelo tsa botšepehi lichabeng, marang, kapa lik'hamphani.
"Lilemo tse Sekete li tla tsa lichelete ka nako e ikhethang haholo," ho boletse Guy Abramo, Mopresidente, Experian Consumer Services. "Ba 'nile ba e-ba le maemo a fokolang haholo le ho tsoela pele ka theknoloji ea botho. Ka lebaka leo, ba entse maikutlo a sa tšoaneng mabapi le ho laola chelete, ho sebelisa mokitlane le kamoo ba lebeletseng hore litšebeletso tsa lichelete li fanoe kateng. "
Joaloka lintho tse ling tse ngata tseo ba likete tse likete ba li etsang ka tsela e fapaneng ho batsoali ba bona, tlhokomelo ea bona ho litekanyetso tsa bona tsa mokitlane le likoloto hase ntho eo ba e lebisang tlhokomelo haufi-ufi kamoo mohlomong ba lokelang ho e ela hloko kateng.
Pono khahlanong le nnete
Ha ba botsoa hore ba lekanyetse ka karolelano sekoloto sa lithaka tsa bona, ba likete tse sekete ba ne ba le tseleng. Ho kenyeletsa thepa ea sekoloto, ba likete tse sekete ba ne ba nahana hore ka karolelano molato ke $ 26,610, empa ha e le hantle ke $ 52,210. E ka 'na eaba ho nahanoa hore boholo ba molato o etsoang ke likete tsa lilemo ke likoloto tsa barutoana, empa ha se-ke mokitlane oa mokitlane, empa ke feela 2% (38% ho 36% ea molato).
Litefiso tsa likoloto li latela 28%, likoloto tsa matlo a 20%, likoloto tsa botho li 17% le "tse ling" li 14%.
Tsamaiso ea lichelete
Li-smartphone tsa Millennials, e leng bohareng ba nako ea bona le botsitso ba bophelo, li sebelisa lisebelisoa tsa lichelete khafetsa ho feta ho laola lichelete tsa bona. Ka karolelano ea mananeo a mararo ka lifono tsa bona, monyetla oa hore ba sebelise lisebelisoa tsa banka, tse fanoeng ke setsi sa bona sa lichelete, kopo ea polokelo e kang Digit.com, kapa lenaneo la tefo e kang Venmo.com. Lilemo tse Sekete ha li bone setene le seretse e le eona feela, kapa mohloli o moholo oa libanka - ha e le hantle, ka 57% ho sebelisa mechine ea lisebelisoa tsa selefouno, boholo ba bona ha ba e-s'o hata lebaleng mohopolong oa morao tjena.
Ba alimang ba bang, ba kang Prosper, Lending Tree kapa Upstart, ba khahleha ho likete tse likete ka mabaka a mangata, ho kenyelletsa le boiketlo ba ho sebelisa, ho fokotsa likaranta le nako ea potlako ea ho arabela.
Botšepehi ba mabanta
Mabapi le botšepehi, patlisiso ea Experian e fumane hore lilemo tse likete li bulehile ho fetola libanka, likarete tsa mokitlane, le litšebeletso tse ling tsa lichelete ha lits'ebeletso tse ncha le tse molemo li fumaneha. Mabaka a ho fetoha a kenyelletsa litefiso tse ntle (47%), mananeo a ntlafatso a molemo (43%), tšireletso e ntle ea boitsebiso (32%) le tšebeletso e phahameng ea bareki (35%).
Tlhaloso ea tsebo ea mokitlane
Ho utloisisa kamoo litekanyetso tsa mokitlane li sebetsang kateng le hore na li ameha hakae moo ba likete tse sekete ba hlokang thuto e eketsehileng le boitsebiso.
Ho ea ka phuputso ea Experian, ba likete tse sekete ba ikutloa ba kholisehile ka tsebo ea bona ea mokitlane (71%), empa 32% ha ba tsebe litekanyetso tsa bona tsa mokitlane, 'me boholo ba bona - 67% - ha ba tsebe hantle hore na likoloto tsa mokitlane li bōpiloe joang. Lilemo tse Sekete, leha ho le joalo, li tseba hantle hore na likoloto tsa bona li ka ba ama joang - hoo e batlang e le 3 ho ba bane ba bile le tekanyo ea litekanyetso tsa mokitlane ho ama ts'ebetso ea mokoloto kapa ea ho hira.
Bohale ba bacha, empa tšepo e atleha
Lilemo tse Sekete li tšohile ka chelete ea bona, hona joale le nakong e tlang. Le hoja ba etsa joalo, ba na le maikutlo a hore ba laola lichelete tsa bona letsatsi le leng le le leng, ho na le lintho tse ngata tse amehileng ka ho khona ho hlokomela lelapa, ho boloka mosebetsi oa ho tlohela mosebetsi, le ho ikemela ka botlalo ho batsoali ba bona .
Leha ho le joalo, ho sa tsotellehe lintho tseo ba amehileng ka tsona, tšepo ea bona ea bocha e ba boloka ba tsepamisitse maikutlo haholo tabeng ea ho se na molato - 83% ea bafuputsi ba Experian ba re ke sepheo se ka finyelloang, 'me 71% ba ikutloa ba kholisehile ka bokamoso ba bona ba lichelete.