On October 10th, 2025, as a representative of the Institute for Crisis Management, I participated in the conference within the framework of “Financial Literacy for Inclusion”, which covered the following:
Basics of Financial Literacy
What is financial literacy?
Knowledge, skills, and behavior needed to make sound financial decisions.
Topics covered:
- Budgeting
- Saving
- Debt/credit management
- Basics of investing
- Planning for a financial future
Understanding financial products and services, their opportunities and risks.
Inclusion / Financial Services and Access
Understanding the concept of financial inclusion:
Which groups are excluded and what barriers exist (geographical, educational, social, gender-based).
How to ensure access and effective use of financial services for vulnerable groups.
Examples: digital financial services, microcredits, microsavings, microinsurance.
Measurement and monitoring:
How to measure financial inclusion and the impact of programs.
Policies, Strategies, and Regulations
For those aiming to work professionally or in institutions:
How to develop and implement national strategies for financial inclusion.
Regulatory and supervisory context:
How to ensure trust, consumer protection, and system integrity.
Practical Examples and Tools
Workshops, case studies, and real-life scenarios:
How to help individuals from vulnerable groups express their financial knowledge.
Technology and innovation:
Digital finance, alternative models of lending/saving that can overcome traditional barriers.
Evaluation / Certification
Usually includes tests, quizzes, or a final project/assignment required to obtain a certificate.
Example: The program from the Frankfurt School of Finance & Management and the Alliance for Financial Inclusion requires two assignments and a final exam.
Participation often results in receiving a certificate, issued as an additional qualification.
The “Beyond Digits” project is co-funded by the Erasmus+ program of the European Commission. Its main goal is to enhance financial literacy among adults with various disabilities by developing accessible and inclusive training materials.
The project is carried out in partnership with organizations from Greece, Lithuania, Austria, Malta, and the European Association of Service Providers for Persons with Disabilities from Belgium.