Study highlights gap in rich countries between access to banking products and an understanding of how finance works
This article is the latest part of the FT’s Financial Literacy and Inclusion Campaign Teenagers in rich countries lack the financial literacy and maths skills needed to prepare them for the digital economy, according to an OECD report. Despite growing numbers opening bank accounts and showing an interest in cryptocurrencies, the majority of 15-year-olds in the Pisa study, published on Thursday, struggled to understand key financial terms and a fifth found it difficult to calculate percentages.
There has been limited improvement in financial literacy in the four countries — the US, Italy, Spain and Poland — that have taken part in the Pisa test since it first began in 2012. In each of the four countries, more than one in seven students still lacks basic money skills, based on the 2022 findings. Meanwhile, just 11 per cent of students from all the 20 nations involved could solve complex money problems, spot transaction costs, or understand the differences in types of investments.
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