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Understanding Gen Z's Approach to Credit Card Selection with AI

In an age where technology and finance intersect, understanding how young people choose their first credit cards is crucial. Nudge Inc., based in Chiyoda, Tokyo, recently conducted a survey targeting users of its next-generation credit card, the Nudge (Nudge Card), specifically focusing on those from the 'student department' aged between 18 to 25. The findings provide a comprehensive look into the credit card selection process of Generation Z, particularly how they utilize artificial intelligence (AI).

Key Findings from the Survey

The survey, which took place from December 5 to 8, 2025, revealed some surprising insights into the behaviors and preferences of young consumers regarding credit cards.

Majority Rely on Traditional Methods

Initially, the survey asked participants whether they had consulted AI while applying for their first credit card. A significant 70% indicated that they did not use AI in their decision-making process. Only 30% admitted to consulting any AI tools during their credit card selection journey. This prompts an interesting discussion regarding the reliance on AI versus traditional methods among the younger demographic.

AI Users Find It Valuable

Despite the limited overall use of AI, those who did leverage it found value in the assistance it provided. Among AI users, approximately 78% claimed to use the insights as part of their decision-making process. This indicates that while AI usage may not be universal, it serves as an essential resource for those who opt to utilize it.

Dominance of ChatGPT

Digging deeper into the specifics, the survey found that the most commonly used AI service among the respondents was ChatGPT, which an impressive 84.2% identified as their tool of choice. This highlights ChatGPT’s position as a preferred resource for young users navigating their first credit card applications.

Nature of Consultations with AI

Regarding what inquiries they made to AI, many participants sought personalized recommendations, asking questions like, "What credit cards are easy for students to use?" or "Can you tell me about credit cards available for high school students?" Furthermore, users didn't just seek recommendations; they also compared specific conditions like 'no annual fee,' 'travel insurance,' or 'reward points' percentages. Many users also inquired about intricate credit card mechanisms and risks, illustrating a deep-seated need for guidance in navigating the financial landscape.

Overall, it seems that young users are utilizing AI as a supportive tool for finding the most suitable cards and clarifying technical terms that may seem daunting.

Overview of Nudge Card's Student Department

Nudge Card's Student Department caters specifically to those aged 18-25, offering a no-fee structure for membership, annual fees, and card issuance. It includes an upper limit of 100,000 yen and flexible repayment options, offering peace of mind for first-time users. This initiative aims to empower students with a sense of financial security and ease when applying for a credit card.

About Nudge Card

Nudge Card is accessible to anyone aged 18 and above, including high school students, incorporating a touch payment feature for seamless transactions. It is accepted at various outlets, including cafes, convenience stores, subscription services, and utility payments, both domestically and internationally. The card also features over 300 unique designs, providing users with enjoyable experiences tied to their purchases, including the option to support their favorite clubs with a portion of transaction fees.

A Look at Nudge Inc.

Founded in February 2020, Nudge operates with the mission to create future financial experiences through individual actions. They leverage a cloud-native credit card service platform, reinforcing their commitment to innovation within the credit industry. The company promotes a culture that respects personal values and flexibility, essential for attracting the younger generation.

As financial landscapes evolve, understanding how Gen Z interacts with tools like AI will be crucial for businesses aiming to connect with this demographic effectively.