Growing Concerns Over Gaming Spending Among Young Japanese Adults

A recent survey conducted by SMBC Consumer Finance, a subsidiary of a major Japanese bank, has raised eyebrows regarding the gaming habits of individuals aged 20 to 29 in Japan. According to reports from Automaton, the findings highlight a troubling trend where a significant percentage of young adults are prioritizing in-game purchases over essential living expenses. The study, which involved 1,000 participants, revealed that nearly one-fifth admitted to spending so much on games that it affected their ability to cover basic needs like food and rent. Gender differences were also noted, with men more likely to indulge in such expenditures compared to women.

SMBC Consumer Finance’s annual financial awareness survey unveiled intriguing insights into the evolving relationship between young Japanese adults and video games. Conducted among 1,000 respondents within the target demographic, the data pointed to an alarming rise in excessive spending on in-game purchases. Specifically, 18.8% of those surveyed confessed to overspending on virtual goods to the detriment of their financial stability. A deeper dive into the numbers shows a notable gender disparity: male participants exhibited a higher propensity for extravagant spending on gacha rolls compared to their female counterparts.

While regret over these expenditures is evident—nearly a quarter expressed dissatisfaction—their actions suggest otherwise. Compared to the previous year's figures, there was an almost 6% increase in people engaging in microtransactions. This behavior was particularly pronounced in responses to statements such as "I’m willing to pay to gain an advantage in-game" and "I can’t enjoy the game unless I make in-game purchases," reflecting a growing dependency on monetized gameplay experiences. Despite a slight dip in average monthly spending and a majority still avoiding such transactions, the overall trend indicates a shift toward greater acceptance of in-app purchases.

On a global scale, video games featuring in-app purchases, especially mobile apps with gacha mechanics, continue to dominate the market. In March 2025 alone, combined revenue through Apple’s App Store and Google Play amounted to $6.79 billion, with Japan contributing a substantial 14.3%. Titles like PUBG Mobile, Candy Crush Saga, and Pokémon Go lead the charge, though many lesser-known games outperform them significantly without garnering widespread attention. As these games become increasingly profitable, they underscore the challenge faced by consumers who feel compelled to spend despite reservations.

The rising success of games with in-app purchases underscores a complex dynamic between consumer behavior and industry practices. While some participants in Japan may begrudgingly partake in these transactions, the broader implications point to a need for greater financial literacy and awareness around responsible spending in digital entertainment. As this trend continues to evolve, understanding its impact on both individual finances and the gaming economy remains crucial.