New Tech Secretly Transforming How Gen Z Manages Money – What’s Their Advantage?
Updated · Apr 08, 2025
📱 Gen Z’s Financial Secret Weapon: Gamified Learning
What if managing your money felt more like playing a game than doing homework? That’s exactly what’s happening behind the scenes with Money IQ – a tech-driven financial education tool quietly changing the way Gen Z learns about money. Built into Sezzle’s Buy Now, Pay Later (BNPL) app, and powered by fintech education leader Zogo, this innovative program is turning heads – and habits.
Launched in January 2025, Money IQ has already made serious waves. Over 5 million experience points (XP) have been earned by users, with the average user completing 11 interactive modules. That’s not just scrolling – it’s full-blown engagement. And this April, just in time for Financial Capability Month, the program is getting a major upgrade.
💡 What’s New in April? Bonus Modules, Bigger Impact
Starting April 1, Sezzle users get access to a fresh batch of bonus modules designed to tackle real-life financial challenges – from budgeting basics to credit confidence. The idea? Make learning feel like leveling up in a game.
“Education is the most powerful way to build financial confidence,” says Chuck Long, GM at Zogo. “And Sezzle is taking a bold step forward in making this a reality.”
Whether you’re a full subscriber or just testing the waters, the in-app expansion offers something for everyone. Paid subscribers get full access to the new curriculum, while non-subscribers can explore a selection of foundational lessons.
🧠 Why It Matters: Closing the Gen Z Knowledge Gap
Here’s the kicker – two-thirds of Gen Z could only answer half or fewer questions correctly on a recent 2024 TIAA Institute-GFLEC Personal Finance Index survey. That’s a red flag for a generation entering adulthood with credit cards, student loans, and fast-moving financial decisions on their plate.
Sezzle’s CEO, Charlie Youakim, sees the solution in making education accessible and rewarding. “When you make learning rewarding, people lean in,” he says. “We’re expanding Money IQ with content that speaks to the everyday financial decisions our users face.”
🎮 The Gen Z Advantage: Learning by Doing
Here’s where Gen Z flips the script. Instead of dry lectures or passive videos, Money IQ turns education into an active, gamified experience. Complete a module, earn XP, and unlock new lessons. It’s edtech meets fintech, and it’s working.
Imagine a 22-year-old college grad budgeting for their first apartment. Instead of Googling “how to build credit,” they dive into an interactive module, learn the ropes, and get rewarded for it – all within an app they’re already using to split up payments.
That’s the kind of seamless, tech-forward financial literacy Gen Z thrives on.
🚀 What’s Next?
As Sezzle and Zogo continue to scale their partnership, the focus is clear: empower young consumers with the tools to make smarter money moves. With the financial landscape getting more complex by the day, this kind of proactive education isn’t just nice to have – it’s essential. And the best part? Gen Z is already on board.
Kathleen Kinder, Senior Editor at CoinLaw, brings over 8 years of experience in the research industry, with a focus on finance, ICT, and technology. Skilled in managing B2B and B2C research and consulting projects, her expertise spans consumer preference analysis, executive interviews, and actionable insights. Kathleen is committed to shaping clear, impactful insights for CoinLaw readers, drawing on her research background and editorial precision to demystify complex finance topics.
