Global survey: 52% of respondents believe that their income will either remain the same or decrease in the next 12 months.

According to the Smart Financial News APP, a recent consumer pulse survey conducted by a global information company and a Hong Kong credit information service agency, Circlelink, for the second quarter of 2025 showed that Hong Kong consumers are cautious about their financial confidence. In the complex economic environment, consumers are actively adjusting their budgets through a dual-track strategy of "cautiously controlling short-term expenses and balancing long-term financial planning" to increase financial resilience. Facing an uncertain market outlook, consumer demand for credit has increased, but different age groups have varying views on the adequacy of access to the necessary credit channels, with the Z generation having more confidence in obtaining the necessary credit than older generations.