Generation Z and Financial Literacy in Japan: A Preliminary Discourse on Attitudes, Behavior, and Outlook

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An examination of the differences in financial literacy between university students in the United States and Japan can provide a basis for how to improve financial literacy rates in one or both countries. By looking at the financial knowledge, behavior, interest levels, and outlook for freshman and sophomore level students, a snapshot of distinct deficiencies in financial education and identify cultural differences that can reveal the inherent lack or possession of financial skills. Moreover, financial literacy rates have been connected to a healthier, happier lifestyle as well as a more stable career and successful retirement. Through a survey comparing students in each nation, the differences of a specific subset, known as “Generation Z”, has opened up interesting avenues for further research.

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