Financial
of Gen Z
Authored by
Fri Rasyidi
Lead Consultant
Anindya Fitriyanti
Senior Consultant
Rayi Harjani
Consultant
Explore the
4 possible scenarios
The scenarios were created by considering the two main drivers that may strongly influence Gen Z's financial behavior that emerge from our research.
About the scenarios
🌪️ Strengthening
🚀️️ Weakening
😵💫️ Decreasing
(01)
“Hard Work will Make Us Rich”
(02)
The Luxurious Facade
📕️ Increasing
(03)
Decentralized Empowerement
(04)
Windows to Make Impact
CAPACITY OF PERSONAL AGENCY
SOCIOECONOMIC PRECARITY
The two main drivers
Socioeconomic Precarity
Socioeconomic uncertainty is fundamentally changing Gen Z's financial management paradigm
Capacity of Personal Agency
Personal agency is the ability to act independently and make their own choices to a better future situation
The Process
Futures Thinking, often shortened to simply Futures, shifts us from simply reacting to proactively shaping the future. This approach rejects the notion of a single, predetermined future (Forecast) and instead introduces the concept of "alternative futures" (Foresight)—various scenarios that could materialize based on trends, signals of change, and decisions we can make today.
Today
Various possible futures
Futures Thinking as a structured approach to imagining the various possible futures.
