As a result of Seo Geum-won’s ‘Youth Finance Survey’
Youth Leap Accounting Youth Scores High
It was found that the financial understanding and financial attitude of young people who steadily saved through youth leap accounts were superior to those who did not subscribe.
The Korea Inclusive Finance Agency announced the results of the “2025 Youth Finance Survey” on the 13th. We compared and analyzed young people who joined and did not join the youth leap account recruited from June 2023 to December 2025. The Youth Leap Account is a policy financial product in which young people aged 19-34 pay up to 700,000 won per month for five years to raise a large amount of money around 50 million won.
As a result of the survey, young people who joined the youth leap account had higher correct answer rates for each question on financial understanding, such as the concept of inflation and the calculation of the return on time deposits. The percentage of correct answers to all questions (five) was also 28.1%, higher than that of unregistered young people (24.6%).
Financial attitudes reflecting personal consumption habits were also stable. It was confirmed that young people who joined had higher scores than young people who did not join in questionnaire items that check financial conditions or manage billing, and that young people who joined tended to manage spending in a planned manner.
As for the credit score recognition item, which represents the level of awareness and management of one’s credit status, 64.3% of young people who joined the leap account said they knew, while only 51% of young people did not subscribe.
The credit score of young people who joined was 900 points (900.88 points based on NICE) and 800 points (832.43 points) for young people who did not join. In the DB analysis of credit rating agencies, it was also confirmed that the average credit score (876.2 points) of young people who joined was higher than the average of all young people (814.1 points).
On the other hand, the entire youth group answered their financial management level at 2.94 points (out of 5 points), which was somewhat lower. The difficult financial problem currently being experienced was “expenditure increase due to rising living costs” (51.8%), followed by “preparing deposit for monthly rent” (7.2%), and “burden of housing and lease loans” (6.5%).
“The Youth Finance Survey is a basic data to analyze the current status of financial life of young people and come up with measures to improve youth financial policies,” said Kim Eun-kyung, head of the Seoul Financial Institute. “We will support young people to grow into smart financial consumers by supporting policy financial products and financial counseling.”
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