{"id":11278,"date":"2026-08-05T17:09:01","date_gmt":"2026-08-05T17:09:01","guid":{"rendered":"https:\/\/interspacemusic.com\/blog\/bao-cao-cua-zelle-76-nguoi-mua-ve-nhom-gen-z-khong-duoc-hoan-tra-day-du\/"},"modified":"2026-08-05T17:09:01","modified_gmt":"2026-08-05T17:09:01","slug":"bao-cao-cua-zelle-76-nguoi-mua-ve-nhom-gen-z-khong-duoc-hoan-tra-day-du","status":"publish","type":"post","link":"https:\/\/interspacemusic.com\/blog\/vi\/bao-cao-cua-zelle-76-nguoi-mua-ve-nhom-gen-z-khong-duoc-hoan-tra-day-du\/","title":{"rendered":"B\u00e1o c\u00e1o c\u1ee7a Zelle: 76% ng\u01b0\u1eddi mua v\u00e9 nh\u00f3m Gen Z kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7"},"content":{"rendered":"<p>M\u1ed9t b\u00e1o c\u00e1o m\u1edbi t\u1eeb <a href=\"https:\/\/www.zellepay.com\"><strong>Zelle<\/strong><\/a> cho th\u1ea5y <strong>76%<\/strong> ng\u01b0\u1eddi ti\u00eau d\u00f9ng <a href=\"https:\/\/interspacemusic.com\/blog\/gen-z-outspends-millennials-on-live-music-luminate-report-finds\/\">Gen Z<\/a> \u0111\u00e3 \u1ee9ng ti\u1ec1n cho chi ph\u00ed nh\u00f3m kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7, v\u1edbi g\u1ea7n m\u1ed9t n\u1eeda r\u01a1i v\u00e0o c\u1ea3nh n\u1ee3 n\u1ea7n \u0111\u1ec3 trang tr\u1ea3i c\u00e1c chi ph\u00ed \u0111\u00f3.<\/p>\n<h2>R\u1ee7i ro t\u00e0i ch\u00ednh khi mua v\u00e9 nh\u00f3m<\/h2>\n<p>Gi\u1ea3i tr\u00ed tr\u1ef1c ti\u1ebfp \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean nh\u1eefng tr\u1ea3i nghi\u1ec7m chung, nh\u01b0ng quy tr\u00ecnh mua v\u00e9 th\u01b0\u1eddng t\u1eadp trung r\u1ee7i ro t\u00e0i ch\u00ednh v\u00e0o m\u1ed9t ng\u01b0\u1eddi mua duy nh\u1ea5t. Khi m\u1ed9t s\u1ef1 ki\u1ec7n c\u00f3 nhu c\u1ea7u cao \u0111\u01b0\u1ee3c m\u1edf b\u00e1n, hi\u1ebfm khi c\u00f3 th\u1eddi gian \u0111\u1ec3 thu ti\u1ec1n t\u1eeb t\u1eebng ng\u01b0\u1eddi b\u1ea1n, x\u00e1c nh\u1eadn ng\u00e2n s\u00e1ch hay tranh lu\u1eadn v\u1ec1 ch\u1ed7 ng\u1ed3i. M\u1ed9t ng\u01b0\u1eddi ph\u1ea3i h\u00e0nh \u0111\u1ed9ng nhanh ch\u00f3ng, \u0111\u1eb7t to\u00e0n b\u1ed9 giao d\u1ecbch mua v\u00e0o th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh.<\/p>\n<p>B\u00e1o c\u00e1o N\u1ec1n kinh t\u1ebf Tr\u00e1nh n\u00e9 c\u1ee7a Zelle cho th\u1ea5y <strong>47%<\/strong> ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t thu\u1ed9c Gen Z cho bi\u1ebft h\u1ecd \u0111\u00e3 r\u01a1i v\u00e0o c\u1ea3nh n\u1ee3 n\u1ea7n \u0111\u1ec3 chi tr\u1ea3 c\u00e1c chi ph\u00ed nh\u00f3m. H\u01a1n m\u1ed9t n\u1eeda n\u00f3i r\u1eb1ng tr\u1ea3i nghi\u1ec7m n\u00e0y \u0111\u00e3 t\u1ea1o ra c\u0103ng th\u1eb3ng ho\u1eb7c \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn m\u1ed9t m\u1ed1i quan h\u1ec7.<\/p>\n<p>Gen Z l\u00e0 th\u1ebf h\u1ec7 chi ti\u00eau nhi\u1ec1u nh\u1ea5t \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t cho c\u00e1c tr\u1ea3i nghi\u1ec7m du l\u1ecbch v\u00e0 s\u1ef1 ki\u1ec7n l\u1edbn. <strong>37%<\/strong> cho bi\u1ebft \u0111\u00e3 chi trung b\u00ecnh \u00edt nh\u1ea5t <strong>2.501 \u0111\u00f4 la<\/strong> m\u1ed7i ng\u01b0\u1eddi cho c\u00e1c s\u1ef1 ki\u1ec7n nh\u01b0 <a href=\"https:\/\/www.coachella.com\"><strong>Coachella<\/strong><\/a>, <strong>World Cup<\/strong>, <strong>US Open<\/strong> v\u00e0 <strong>Super Bowl<\/strong>.<\/p>\n<h2>S\u1ef1 ch\u1eadm tr\u1ec5 thanh to\u00e1n v\u00e0 &#8216;Tr\u00e1nh n\u00e9 thanh to\u00e1n&#8217;<\/h2>\n<p>C\u00e1c y\u00eau c\u1ea7u thanh to\u00e1n k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c g\u1eedi \u0111i trong v\u00e0i gi\u00e2y, nh\u01b0ng vi\u1ec7c ho\u00e0n tr\u1ea3 th\u01b0\u1eddng m\u1ea5t h\u00e0ng th\u00e1ng. Nghi\u00ean c\u1ee9u cho th\u1ea5y m\u1ed9t s\u1ed1 ng\u01b0\u1eddi ti\u00eau d\u00f9ng Gen Z tr\u00ec ho\u00e3n \u0111\u00e1ng k\u1ec3 vi\u1ec7c thanh to\u00e1n c\u00e1c chi ph\u00ed chung:<\/p>\n<ul>\n<li><strong>18%<\/strong> cho bi\u1ebft vi\u1ec7c ho\u00e0n tr\u1ea3 c\u00f3 th\u1ec3 m\u1ea5t \u0111\u1ebfn m\u1ed9t th\u00e1ng<\/li>\n<li><strong>10%<\/strong> cho bi\u1ebft c\u00f3 th\u1ec3 m\u1ea5t t\u1eeb hai \u0111\u1ebfn s\u00e1u th\u00e1ng<\/li>\n<li><strong>11%<\/strong> cho bi\u1ebft c\u00f3 th\u1ec3 m\u1ea5t h\u01a1n s\u00e1u th\u00e1ng<\/li>\n<\/ul>\n<p>Zelle m\u00f4 t\u1ea3 h\u00e0nh vi n\u00e0y l\u00e0 &#8216;Tr\u00e1nh n\u00e9 thanh to\u00e1n&#8217;: tr\u00ec ho\u00e3n, ph\u1edbt l\u1edd ho\u1eb7c r\u00fat lui kh\u1ecfi c\u00e1c cu\u1ed9c tr\u00f2 chuy\u1ec7n v\u1ec1 ti\u1ec1n b\u1ea1c. <strong>20%<\/strong> ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t Gen Z \u0111\u00e3 h\u1ee7y k\u1ebf ho\u1ea1ch ho\u1eb7c t\u1eaft th\u00f4ng b\u00e1o tr\u00f2 chuy\u1ec7n nh\u00f3m \u0111\u1ec3 tr\u00e1nh vi\u1ec7c ho\u00e0n tr\u1ea3, v\u00e0 m\u1ed9t ph\u1ea7n ba cho bi\u1ebft vi\u1ec7c thanh to\u00e1n c\u00e1c chi ph\u00ed chung g\u00e2y c\u0103ng th\u1eb3ng ho\u1eb7c lo l\u1eafng.<\/p>\n<h2>C\u00e1c m\u1ed1i quan h\u1ec7 c\u0103ng th\u1eb3ng v\u00e0 h\u1eadu qu\u1ea3 l\u00e2u d\u00e0i<\/h2>\n<p>Chi ph\u00ed gi\u1ea3i tr\u00ed tr\u1ef1c ti\u1ebfp c\u00e0ng cao, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh mua v\u00e9 c\u00e0ng g\u1eb7p r\u1ee7i ro t\u00e0i ch\u00ednh. Ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 th\u1ec3 ph\u1ea3i g\u00e1nh s\u1ed1 d\u01b0 th\u1ebb t\u00edn d\u1ee5ng, ch\u1ecbu l\u00e3i su\u1ea5t ho\u1eb7c t\u1ea1m th\u1eddi m\u1ea5t quy\u1ec1n truy c\u1eadp v\u00e0o c\u00e1c kho\u1ea3n ti\u1ec1n c\u1ea7n thi\u1ebft cho nhu c\u1ea7u thi\u1ebft y\u1ebfu. Vi\u1ec7c y\u00eau c\u1ea7u ho\u00e0n ti\u1ec1n c\u00f3 th\u1ec3 b\u1ecb coi l\u00e0 b\u1ea5t l\u1ecbch s\u1ef1, ngay c\u1ea3 khi y\u00eau c\u1ea7u \u0111\u00f3 l\u00e0 h\u1ee3p l\u00fd, bi\u1ebfn m\u1ed9t giao d\u1ecbch \u0111\u01a1n gi\u1ea3n th\u00e0nh v\u1ea5n \u0111\u1ec1 t\u00ecnh b\u1ea1n.<\/p>\n<p>Theo b\u00e1o c\u00e1o, <strong>25%<\/strong> ng\u01b0\u1eddi tham gia kh\u1ea3o s\u00e1t Gen Z cho bi\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 ho\u00e0n tr\u1ea3 \u0111\u00e3 g\u00e2y t\u1ed5n h\u1ea1i l\u00e2u d\u00e0i cho m\u1ed9t m\u1ed1i quan h\u1ec7. <strong>14%<\/strong> n\u00f3i r\u1eb1ng h\u1ecd \u0111\u00e3 ch\u1ea5m d\u1ee9t m\u1ed9t t\u00ecnh b\u1ea1n ho\u1eb7c m\u1ed1i quan h\u1ec7 v\u00ec tranh ch\u1ea5p ho\u00e0n tr\u1ea3.<\/p>\n<h2>C\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 gi\u00fap \u00edch, nh\u01b0ng c\u00e1c v\u1ea5n \u0111\u1ec1 c\u01a1 c\u1ea5u v\u1eabn t\u1ed3n t\u1ea1i<\/h2>\n<p>Trong s\u1ed1 1.000 ng\u01b0\u1eddi d\u00f9ng Zelle th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t, <strong>80%<\/strong> cho bi\u1ebft d\u1ecbch v\u1ee5 n\u00e0y gi\u00fap h\u1ecd nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n nhanh h\u01a1n, <strong>68%<\/strong> cho bi\u1ebft n\u00f3 gi\u00fap vi\u1ec7c chia chi ph\u00ed c\u00f4ng b\u1eb1ng h\u01a1n, v\u00e0 m\u1ed9t n\u1eeda n\u00f3i r\u1eb1ng n\u00f3 gi\u1ea3m b\u1edbt s\u1ef1 ng\u01b0\u1ee3ng ng\u00f9ng khi thanh to\u00e1n c\u00e1c chi ph\u00ed chung. Nh\u1eefng ph\u00e1t hi\u1ec7n n\u00e0y d\u1ef1a tr\u00ean kh\u1ea3o s\u00e1t nh\u1eefng ng\u01b0\u1eddi d\u00f9ng Zelle th\u01b0\u1eddng xuy\u00ean v\u00e0 ph\u1ea3n \u00e1nh nghi\u00ean c\u1ee9u v\u1ec1 s\u1ea3n ph\u1ea9m.<\/p>\n<p>B\u00e1o c\u00e1o l\u01b0u \u00fd r\u1eb1ng c\u00e1c n\u1ec1n t\u1ea3ng b\u00e1n v\u00e9 c\u00f3 th\u1ec3 gi\u1edbi thi\u1ec7u c\u00e1c t\u00ednh n\u0103ng nh\u01b0 <a href=\"https:\/\/interspacemusic.com\/blog\/brazilian-phonk-money-splits-problem-montagem-argentina-400-million-spotify\/\">t\u00f9y ch\u1ecdn thanh to\u00e1n chia nh\u1ecf<\/a>, th\u1eddi gian \u0111\u1eb7t ch\u1ed7 nh\u00f3m ng\u1eafn v\u00e0 li\u00ean k\u1ebft thanh to\u00e1n c\u00e1 nh\u00e2n \u0111\u1ec3 gi\u1ea3m g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh cho m\u1ed9t ng\u01b0\u1eddi mua duy nh\u1ea5t.<\/p>\n","protected":false},"excerpt":{"rendered":"D\u1eef li\u1ec7u m\u1edbi t\u1eeb Zelle ti\u1ebft l\u1ed9 r\u1eb1ng ph\u1ea7n l\u1edbn ng\u01b0\u1eddi ti\u00eau d\u00f9ng Gen Z chi tr\u1ea3 chi ph\u00ed nh\u00f3m cho c\u00e1c s\u1ef1 ki\u1ec7n tr\u1ef1c ti\u1ebfp kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7, d\u1eabn \u0111\u1ebfn n\u1ee3 n\u1ea7n, lo l\u1eafng v\u00e0 c\u00e1c m\u1ed1i quan h\u1ec7 b\u1ecb t\u1ed5n h\u1ea1i.","protected":false},"author":3,"featured_media":7893,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7022],"tags":[],"class_list":["post-11278","post","type-post","status-publish","format-standard","has-post-thumbnail","category-tech-innovation-vi","cs-entry","cs-video-wrap"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>B\u00e1o c\u00e1o c\u1ee7a Zelle: 76% ng\u01b0\u1eddi mua v\u00e9 nh\u00f3m Gen Z kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7<\/title>\n<meta name=\"description\" content=\"M\u1ed9t b\u00e1o c\u00e1o m\u1edbi t\u1eeb Zelle cho th\u1ea5y 76% ng\u01b0\u1eddi ti\u00eau d\u00f9ng Gen Z \u0111\u00e3 \u1ee9ng ti\u1ec1n cho chi ph\u00ed nh\u00f3m kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7, v\u1edbi g\u1ea7n m\u1ed9t n\u1eeda r\u01a1i v\u00e0o c\u1ea3nh n\u1ee3 n\u1ea7n \u0111\u1ec3 trang tr\u1ea3i c\u00e1c chi ph\u00ed \u0111\u00f3.R\u1ee7i ro t\u00e0i ch\u00ednh khi mua v\u00e9 nh\u00f3mGi\u1ea3i tr\u00ed tr\u1ef1c ti\u1ebfp \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean nh\u1eefng tr\u1ea3i nghi\u1ec7m\u2026\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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