澳大利亚Z世代（18-29岁）的储蓄热情超过全国平均水平，其中94%的女性和93%的男性试图储蓄，相比全国平均的81%明显更高1。然而，这一代年轻人正面对与前代截然不同的金融环境，包括无接触支付、先买后付服务以及在线金融建议等新兴因素的影响1。
在财务指导获取渠道上，Z世代呈现出对数字平台的高度依赖。63%的Z世代通过社交媒体获取财务建议，64%信任AI平台提供的指导1。此外，52%的人信任"金融网红"的建议，近四分之一拥有加密货币1。29%的人曾基于社交媒体或网红建议进行交易1。与此同时，仍有60%的Z世代使用专业来源获取财务建议，50%向家人和朋友咨询1，反映出多元化的信息获取模式。这种现象凸显了Z世代面临的金融教育缺口，以及对非正规数字平台的依赖。针对这一问题，Alyssia Kennedy运营的Life After School项目正向塔斯马尼亚高中学生教授税务、工作权利和预算管理等实践技能1。
Generation Z Australians aged 18 to 29 demonstrate a notably higher inclination to save than the general population, with 94% of women and 93% of men in this age group actively attempting to save, compared to the national average of 81%.1 However, this cohort navigates a financial landscape distinctly shaped by digital innovations and non-traditional advisory channels that differ markedly from previous generations' experiences.1
The pathway through which young Australians access financial guidance reveals significant reliance on informal digital sources. Approximately 63% of Generation Z rely on social media for financial advice, while 64% trust artificial intelligence platforms for financial guidance.1 Additionally, 52% place confidence in financial influencers, and nearly one quarter hold cryptocurrency.1 This dependency on digital and social channels reflects both the accessibility of such platforms and a notable gap in formal financial education.1 Furthermore, 29% of Generation Z have made investment decisions based specifically on recommendations from social media or influencers.1
Despite the prominence of informal channels, traditional and personal sources of financial information retain meaningful influence within this age group. Sixty percent of Generation Z seek financial advice from professional sources, while 50% consult family and friends.1 Educational initiatives aim to address financial literacy gaps; Alyssia Kennedy's Life After School program, for instance, delivers practical financial skills including tax knowledge, workplace rights, and budgeting to high school students in Tasmania.1
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