The Excluded
Overview
In the future, not everyone will adapt. One group remains skeptical of technology, managing their finances conventionally. As a result, they are less than optimal and more vulnerable to debt in pursuit of the lifestyle they see around them.
Monthly Income
+
25.000.000
Recurring Expenses & Insurance
–
20.000.000
Loans
0
Remaining Monthly Income
+
5.000.000
+
Asset Portfolio
-25million
Assets
75 million
Used electric car
Investments
0 million
None
Debts
(100 million)
Electric vehicle installment
PayLater installment for daily living expenses
Source of Income
Low-skilled Jobs
Tend to be stagnant, unstable, and come from low-skilled jobs with low-wage.
Property Loan
Fulfilling the Old Mindset
They don't have a property loan, but may have installments on a used electric car they bought due to social pressure or remnants of the old mindset: asset ownership is a symbol of success.
Productive Loan
None
In this era full of ideas, they lack the ideas or courage to start a business.
Consumptive Loan
As an emergency fund
To cover unexpected expenses (such as a sick parent or vehicle repairs) or simply to "catch a breath."
© 2025 Somia Customer Experience. All rights reserved.
The Excluded
Overview
In the future, not everyone will adapt. One group remains skeptical of technology, managing their finances conventionally. As a result, they are less than optimal and more vulnerable to debt in pursuit of the lifestyle they see around them.
Monthly Income
+
25.000.000
Recurring Expenses & Insurance
–
20.000.000
Loans
0
Remaining Monthly Income
+
5.000.000
+
Asset Portfolio
-25million
Assets
75 million
Used electric car
Investments
0 million
None
Debts
(100 million)
Electric vehicle installment
PayLater installment for daily living expenses
Source of Income
Low-skilled Jobs
Tend to be stagnant, unstable, and come from low-skilled jobs with low-wage.
Property Loan
Fulfilling the Old Mindset
They don't have a property loan, but may have installments on a used electric car they bought due to social pressure or remnants of the old mindset: asset ownership is a symbol of success.
Productive Loan
None
In this era full of ideas, they lack the ideas or courage to start a business.
Consumptive Loan
As an emergency fund
To cover unexpected expenses (such as a sick parent or vehicle repairs) or simply to "catch a breath."
© 2025 Somia Customer Experience. All rights reserved.