The reality is, people do not actually rely from saving anymore, but by taking a loan as they get instant approval most especially if they present good and stable sources of income. With that, the essence of saving most especially for the younger ones have started to vanish until out of 10 workers, only 1 is able to do so.

That’s how fast and influential the changes are. If there are no instant loan offers, they will be encouraged to work hard and save more. But this is the reality now, people are dependent already on what is instant than taking a long process like saving for their future.