负责任的消费
These apps offer a simple money management service for children, often for a monthly subscription fee paid by the parents. Parents can add money to children's accounts, set limits and monitor transactions, while children can choose to save their money or spend it using a prepaid card that works like a debit card. The apps suggest minimum ages ranging from six to nine for the prepaid card.
这些应用旨在解决这一问题，声称能教会孩子们理财的概念，比如预算、利率和收入。
开发这些应用程序的公司称，在一个越来越无现金化的社会里，这些程序可以成为一种教育孩子理财的宝贵方式。
孩子们今后可能不会再把零花钱存在存钱罐里了。随着无现金社会的发展，，零花钱也在数字化。
为了紧跟潮流，全球出现了多个儿童移动理财应用程序，比如GoHenry、Osper和Gimi等等。
To reflect this trend, a flurry of mobile budgeting apps for children has sprung up worldwide: GoHenry, Osper and Gimi to name a few.
这些应用程序为孩子们提供简单的理财服务，通常由父母每月支付费用。父母可以将钱存入孩子的账户，设定限额并监控交易，而孩子可以选择存钱或使用类似借记卡的预付卡消费。这些应用程序建议预付卡的最低使用年龄为6至9岁。
For instance, the Swedish app Gimi -— with 1.2 million users globally — has virtual savings jars where children can deposit money; parents can pay children interest as they save; and there is a chores feature, where parents can pay children for completing household tasks.
The companies behind the apps argue that in an increasingly cashless society, they can be a valuable way of teaching young children about money.
Children may not be stashing coins in piggy banks for much longer; with the move towards a cashless society, pocket money is moving digital.
These apps aim to overcome this, claiming to teach children financial concepts, such as budgeting, interest rates and income.
根据标准普尔的全球金融素养调查，全球三分之二的成年人没有接受过金融教育，四分之一的青少年甚至无法对日常支出做出简单决定。
还在用“小猪存钱罐”?随着网络支付和移动支付的普及，不少父母连给孩子零花钱都要通过手机来支付了。一些商家抓住商机，开发出了手机应用程序，不仅能帮父母支付零花钱，还能帮助孩子学会理财，但也有人担心这会让孩子养成过度消费的恶习。
Two thirds of adults globally are financially illiterate, according to Standard & Poor's Global Financial Literacy Survey, and one in four teenagers are unable to make even simple decisions on everyday spending.