Report: credit consumption app becomes a new proposition of houlang consumption

Recently, the small win technology and Finance Research Institute officially released. In this report, we have a deep insight into the consumer credit products of the mainstream companies, including the consumer credit products. < / P > < p > thinks that in the consumption ecology, the consumption mode of credit payment based on the staged shopping mall not only stimulates the consumption momentum, but also reshapes the consumption habits of young people. < / P > < p > shows that the post-90s and post-95s who love consumption are the core users of credit consumption app. Most of them are under 30 years old, have college degree or above, and have stable work and income. This group is more open to new things and familiar with credit consumer products. Therefore, they love to consume, dare to consume, and even consume in advance to seek better quality of life. < / P > < p > nowadays, with the changes in the subject, psychology, habits and ability of social consumption, the lifestyle and consumption behavior of young people are also changing. The post-95 and post-90 young people have become the core user group of credit consumption app. < / P > < p > the report shows that 60% of the credit consumption app users are male, and nearly 70% are 20-30 years old; 69% have college degree or above, which undoubtedly highlights the high quality of credit consumption app users. Meanwhile, the report shows that the proportion of unmarried and married users is 55% and 45% respectively, and the proportion of married users increases with the city level sinking, and the proportion of married users increases in the third and fourth tier cities Nearly 60% of the city’s users are married. < / P > < p > in terms of income and expenditure, the average monthly income of the surveyed users is 5805 yuan, and the average monthly expenditure is 4575 yuan, accounting for nearly 80% of the income, accounting for 79%. In terms of expenditure categories, the top three are catering, shopping and entertainment. Among them, catering ranked first among the daily expenses of male users, who preferred to eat and drink; female users preferred to shop; taking the data of money laundering as an example, the hedonic and self gratifying consumption had distinct characteristics, and they were willing to consume in advance for better quality of life. < / P > < p > in recent years, under the transformation of economic structure, banks and other traditional financial institutions have gradually started to shift from wholesale business to retail business, and vigorously develop credit cards. < p > < p > the number of traditional credit card holders and the income level of the young generation can not be reported for the time being. < / P > < p > there are 1.33 credit cards per capita among the surveyed users, nearly 30% of them have no credit card, and 77% of them have less than 20000 yuan of credit card limit. Meanwhile, the lower the city level is, the worse the penetration rate of credit card is, and the proportion of people without credit card in the fourth tier cities is as high as 43%. < / P > < p > based on this, leading financial technology companies have entered the market. Small win technology’s money swamp, Alipay’s flower chant, Tencent’s Micro public bank joint licensed Consumer Finance Companies launched goose money and other credit consumer products gradually popularized, while fully meeting the financial needs of young people’s payment and installment shopping, it also effectively complements the short service of traditional financial services. < / P > < p > from the perspective of the willingness to use the product function of credit consumption, payment, borrowing and installment shopping are the main functions used by users, which has become the “troika” of most credit consumption app service users.

in terms of payment function, take the money flower as an example, it can bind WeChat payment, Alipay, UnionPay flash payment and other payment channels, pay the attribute user awareness is higher, and has already played a certain advantage in the “card competition” of the payment channel. Young people have a high recognition of the payment attributes of credit consumption app. Online and offline payment and small high-frequency consumption have successfully occupied a place in young people’s mobile payment channels. < / P > < p > the consumption below 200 yuan is the most important payment amount around the core life scenes, which fully reflects the “small amount, high frequency” payment habits. < / P > < p > at the same time, relying on the staged mall as the scene, the credit consumption app further deepens the new experience of young people’s scene consumption and strengthens the new habit of young people’s credit consumption. Installment shopping mall has become the “standard configuration” of most credit consumption apps. The report also focuses on the analysis of users’ shopping habits by stages. According to the report, < p > < p > shopping by stages has become a new normal for young people, especially those born after 1995. In the frequency of staging, boys are slightly higher than girls, unmarried users are higher than married users. Young people aged 21-25 prefer staging, and the older the age, the lower the frequency of staging. In addition, the users with high income prefer to pay by stages than those with low income, and the frequency of paying by stages of unmarried users is higher than that of married users. < / P > < p > installment shopping has increasingly become the new normal of young people’s consumption. Relying on the installment mall as the scene, the credit consumption app is further deepening the new experience of young people’s scene consumption and strengthening the new habit of young people’s credit consumption. To activate a wider range of consumer groups – the third and fourth tier cities and the sinking market, to stimulate the most active consumer groups – the young people born in the 1980s and 1990s, and to truly implement the consumption level – scenario, are the key points for financial services industry to help service consumption. Credit payment can achieve these goals. < p > < p > original title: credit consumption app becomes a new idea of houlang consumption= target=_ blank>gather and watch! Huawei P40 Pro evaluation: excellent mobile phone photography elegant design, do you like it?