网易自媒体登录给孩子零花钱开始变得移动化(2)

"There's a big opportunity," Aurelian Guichard, the product owner for Revolut Youth, tells cnn Business.
应用程序Revolut Youth的产品负责人奥雷利安·吉查德告诉美国有线新闻网商业频道说：“这蕴藏着巨大的商机。”

"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."
“我们有一款针对成年人应用……因此，我们能让儿童用户逐渐过度为成人用户。”

This could translate to customers for life, as according to the UK's Competition and Markets Authority only 3% of personal customers switch to a different bank in any year.
根据英国竞争与市场管理局的数据，这些应用程序的使用者可能会转化为终生的客户，因为每年只有3%的个人客户会转到另一家银行。

One concern is that introducing digital money apps to young children could help to encourage irresponsible spending habits.
有人担忧称，向儿童推出数字货币应用程序可能会鼓励不负责任的消费习惯。

"If children don't have a good foundation in financial capability, there's a risk that money apps could be seen as just another game," says Winter. "There's a risk that they won't learn about the real value of money and might develop bad money habits."
温特说：“如果孩子们不具备良好的财务能力基础，那么这些应用就有可能被视为另一种游戏。他们有可能不了解钱的真正价值，并养成不良的消费习惯。”

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.
然而，哈格伦德说，孩子们不会受此困扰，因为父母可以监督他们的消费习惯，而且没有任何一项服务提供透支，这样孩子们就不会负债。

Plus, it is important for kids to learn and make mistakes, says Guichard.
此外，吉查德说，对孩子来说，学习和犯错都很重要。

"We want to help kids and teenagers gain financial skills for life, and the earlier you do that the better, because if you're going to make a mistake of 10 pounds at eight, it's better than making a mistake of 1,000 pounds when you're 28," he says.
他说：“我们想帮助孩子和青少年获得终生的理财技能，越早越好，因为如果你在8岁时犯价值10英镑的错误，总比你28岁时犯价值1000英镑的错误要好。”

网易自媒体登录给孩子零花钱开始变得移动化(2)
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