YLG reports that Gen Z and millennials (68% under 40) are rapidly entering gold investment through digital channels with smaller, recurring amounts rather than lump-sum purchases. The trend reflects a shift toward mobile-first, accessible investment platforms (fractional gold, digital gold), with similar patterns emerging across China, India, and Singapore. This democratization of gold investment through low entry points (as low as 100 baht) and smartphone-based trading opens new market opportunities for fintech platforms.