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Moscow, April 4-5, 2011
        The World Bank & Ministry of Finance of the Russian Federation
       Workshop on Financial Literacy and Financial Consumer Protection




INTERNATIONAL EXPERIENCE
   IN FINANCIAL LITERACY
             LESSONS FROM POLAND
 Policy making, design & implementation process - what is important?




                           Marcin Polak
               Futuredu & Think! Institute Foundation
                         Warsaw, Poland                                   Photo:	
  (C)	
  NBP	
  
Index

 Introduction
 National Strategy
  and the Yearly Plan
 Objectives
 Learning Process
  Design
 Planning / Designing
 Resources
 Evaluation


                             Photo:	
  sxc.hu	
  
Introduction
 Poland – an interesting case on
  the Financial Literacy world map
 No National Strategy – the
  Government is not interested in
  promoting Financial Literacy
 The leading role of the central
  bank – the National Bank of
  Poland (NBP) has its own
  educational strategy and
  objectives. NBP spent over 50
  Million EUR on the economic
  and financial education in years
  2002-2010                   Photo:	
  (C)	
  NBP	
  
Introduction
 Many NGO FL programs
  supported from the NBP &
  the financial industry
  sources
 No single coordination office
  for nationwide financial
  literacy campaign
 Consequence: disseminated
  educational efforts (even in
  large numbers) have no
  significant impact on
  financial knowledge of
  the society                     Photo:	
  sxc.hu	
  
Introduction

 This has been researched
  well – in years 2007-2010
  despite many FL programs,
  the level of knowledge is still
  not very satisfactory
 However, financial
  consumers do behave
  reasonably – the Polish
  society was not much
  affected by the global
  financial crisis 2007-2008

                                    Photo:	
  Kronenberg	
  Founda:on	
  
National Strategy and the Yearly Plan



 The National Strategy for Financial Education is
  important tool of policy coordination when an
  action on national level is being considered
 It helps to constitute the coordination office,
  gives mandate and objectives, shows the
  roadmap, specifies instruments of the campaign
 Better results of the FL campaign when Annual
  Plans are voted year-by-year within the long-
  term Strategy - it gives space for modification
  of directions and particular programs
                                                Photo:	
  sxc.hu	
  
National Strategy and the Yearly Plan




 The role of the coordination office is very
  important – in designing, programming and
  assessing real value of implemented FL
  programs
 Responsibility for designing FL policy is at the
  national level
                                                     Photo:	
  sxc.hu	
  
Objectives

 Where are possible limits to FL national
  campaign?
 From School to Elderly? – where is the target
  group?
 To disseminate knowledge? or to build
  awareness?
 A part of a school curriculum? or beyond the
  school curriculum?
 Time factor – immediate results of programs? or
  long-term step-by-step improvement of general
  financial awareness?
                                                Photo:	
  sxc.hu	
  
Objectives – sample (the NBP case)

The strategic goals could were specified as:

 To deliver basic financial knowledge and
  skills to secondary schools and universities
  (for young people)
 To give instruction and counteract wrong
  economic and financial knowledge for better
  economic awareness (for adults)
 To promote equal access to financial
  education resources by developing virtual
  education platform(s) (for everybody)
                                               Photo:	
  sxc.hu	
  
Objectives – sample (the NBP case)

NBP specified in its Strategy and Annual Action
  Plans that there would be:
 I. programs addressed to affect deep
  economic culture (through	
  formal	
  educa:on	
  
  process	
  and	
  training:	
  pupils,	
  students,	
  teachers,	
  
  journalists)
 II. mass education programs to affect shallow
  economic culture (through mass media
  programs incl. edutainment: adults)
 III. virtual education – internet platform with
  educational and information resources (through
  e-learning and edutainment)
                                                                   Photo:	
  sxc.hu	
  
Objectives of the NBP strategy

                      virtual	
  educa:on	
  


                              III.	
  


             I.	
                               II.	
  
                                        mass	
  media,	
  
     formal	
  educa:on	
            informal	
  educa:on	
  
                                                                Photo:	
  sxc.hu	
  
Learning Process Design



 21st Century learning process - technology is
  important part of our lifes (...and education)
 School models are behind civilization’s changes
  – although young people are connected to
  networks all the time
 Be innovative – use powerful channels and tools
  for communicating knowledge and ideas
 Think about using ICT in social education –
  e.g. mobile phones or iPods
                                               Photo:	
  sxc.hu	
  
Learning Process Design

 Repeating the message is important – because
  we forget easily
 Ebbinghaus curve




                                      Repeating the message – more
                                         chances for memorizing
Ebbinghaus curve – how we forget in
  the learning process – 1/2 of the
      material in first 2 hours…
                                                hDp://en.wikipedia.org/wiki/ForgeHng_curve	
  
Learning Process Design

 Multiply the message in various channels -
  reaching target groups from many directions
                                                                      The	
  Coordina,on	
  Office	
  


            journalists	
  


                                                                      teachers	
  
                                             social	
  networks	
  

                                                                                                   families	
  
media	
  




                              internet	
  
                                                                                     schools	
           Photos:	
  sxc.hu	
  
Learning Process Design




 Build a virtual learning platform
 People will listen to the message, but they will
  forget it – you can offer them a website to search
  for more valuable and reliable information  Photo:	
  ZrozumFinanse.pl	
  
Learning Process Design

 A concept for the FL campaign: the Wallet
  Education - talk about finances as about the
  money in wallets of your target group.

 All economics must be shown in action.
  Practical approach, limited theory. Show a link
  between a person’s wallet and a particular
  economic mechanism (money relations)
 Use arguments based on a reason and logic
  (opportunities), don’t afraid to shock with
  possible negative consequences (threats)
                                                    Photo:	
  sxc.hu	
  
Planning / Designing

 Who’s the Boss? FL campaign must have
  a leader, being a spokesperson for all actions
  (supported by the press office)
 Both layers of the economic awareness (deep
  and shallow) must be addressed in the FL
  campaign - include different types of action, like
  training and mass media programs
 Mass media as Financial Literacy campaign
  major actors (all, incl. Internet)
 Training: first of all – train the trainers and
  knowledge disseminators (teachers,
  journalists, academicians, social leaders)
                                                  Photo:	
  sxc.hu	
  
Planning / Designing

 Develop virtual education in a modern,
  interactive way; promote the platform in the
  Internet, attract users to visit it
 Visualise (potential) problems, attract the
  audience by showing benefits, convince to
  respond to action calls, make interactions
 Allow financial edutainment. Play, have fun
  and learn (e.g. In simulations) – this is a good
  method for financial literacy
 In schools: go beyond curriculum – offer
  students practical knowledge and tools they
  would be happy to use in their life
                                                     Photo:	
  sxc.hu	
  
Planning / Designing



 Do marketing. Education without social
  marketing is less effective. Significant part of
  your budget should be marketing and promotion
 Networks! People are connected to social
  networks for most of a day (and night) – it
  changed the way we as people learn today
 Multiply the same message in different tools
  and programs (multidirection communication)
 Repeat the message again and again
Planning / Designing

 The responsibility for tailoring
  effective programs is in the
  coordination team. No one would
  better know strategic goals and
  the FL policy
 But to implement programs build
  your FL coalition on national
  and local levels
 This is a long-term action plan.
  Do not expect solid changes in a
  short time period. Be ready it will
  consume significant budgets!
                                        Photo:	
  sxc.hu	
  
Resources

  Arrange your resources – you go to fight the
  financial ignorance – what will you need?

 Good ideas for financial education programs
 Surveys data on your target groups
 Staff with mixed competences (eg. educators,
  economists, sociologists – rather experienced
  practicioners)




                                                 Photo:	
  sxc.hu	
  
Resources

 Network of reliable allies (to build national and
  local coalitions)
 Supporting (external) experts (many)
 Identified effective channels of
  communication (e.g. not much sens to invest in
  press inserts)
 Funding (rather a lot of money)
 Communication policy (media relations) – FL
  campaign is about educating masses – mass
  media must be involved and the press office
  must support FL educators
                                                 Photo:	
  sxc.hu	
  
Evaluation

 Measure where you are
 Get data on the
  effectiveness of tools you
  use – pre-test, post-test,
  surveys, skill checking...
 In a long term FL program
  some of your action would
  be experiments; they
  need to be evaluated
  before continuing
www.economiceducator.eu
Thank you very much!

•  Financial	
  Literacy	
  is	
  a	
  life	
  skill	
  of	
  21st	
  Century	
  –	
  
   (lifelong	
  learning)	
  
                                Marcin Polak
                    Futuredu & Think! Institute Foundation
                              Warsaw, Poland
                         marcin.polak [at] futuredu.pl
Marcin Polak
  Marcin Polak was the Head of the Economic Education in the National
   Bank of Poland (2002-2007), being responsible for strategic planning and
   implementation of the nationwide and international economic education and
   financial literacy projects. These initiatives were addressed, among others,
   to schools, libraries, students, teachers, journalists, priests, judges, as well
   as, through the mass media, to general public opinion.
  He was also responsible for developing international cooperation of
   central banks in the field of economic education and initiated close
   cooperation in the field of economic education between banks of the
   European System of Central Banks.
  (Since 2008) President of the Board of the Think Global Ltd., founder of the
   Think! Institute for Development of Communications and Education, owner
   and publisher of the Edunews.pl - one of the largest educational web sites
   in Poland (250 thousand users) promoting modern education programs and
   tools for the education sector as well as EconomicEducator.eu -
   international platform for economic and financial educators and experts. He
   is a member of the European Commission Expert Group on the
   Financial Education.

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International Experience in Financial Literacy: Lessons from Poland

  • 1. Moscow, April 4-5, 2011 The World Bank & Ministry of Finance of the Russian Federation Workshop on Financial Literacy and Financial Consumer Protection INTERNATIONAL EXPERIENCE IN FINANCIAL LITERACY LESSONS FROM POLAND Policy making, design & implementation process - what is important? Marcin Polak Futuredu & Think! Institute Foundation Warsaw, Poland Photo:  (C)  NBP  
  • 2. Index  Introduction  National Strategy and the Yearly Plan  Objectives  Learning Process Design  Planning / Designing  Resources  Evaluation Photo:  sxc.hu  
  • 3. Introduction  Poland – an interesting case on the Financial Literacy world map  No National Strategy – the Government is not interested in promoting Financial Literacy  The leading role of the central bank – the National Bank of Poland (NBP) has its own educational strategy and objectives. NBP spent over 50 Million EUR on the economic and financial education in years 2002-2010 Photo:  (C)  NBP  
  • 4. Introduction  Many NGO FL programs supported from the NBP & the financial industry sources  No single coordination office for nationwide financial literacy campaign  Consequence: disseminated educational efforts (even in large numbers) have no significant impact on financial knowledge of the society Photo:  sxc.hu  
  • 5. Introduction  This has been researched well – in years 2007-2010 despite many FL programs, the level of knowledge is still not very satisfactory  However, financial consumers do behave reasonably – the Polish society was not much affected by the global financial crisis 2007-2008 Photo:  Kronenberg  Founda:on  
  • 6. National Strategy and the Yearly Plan  The National Strategy for Financial Education is important tool of policy coordination when an action on national level is being considered  It helps to constitute the coordination office, gives mandate and objectives, shows the roadmap, specifies instruments of the campaign  Better results of the FL campaign when Annual Plans are voted year-by-year within the long- term Strategy - it gives space for modification of directions and particular programs Photo:  sxc.hu  
  • 7. National Strategy and the Yearly Plan  The role of the coordination office is very important – in designing, programming and assessing real value of implemented FL programs  Responsibility for designing FL policy is at the national level Photo:  sxc.hu  
  • 8. Objectives  Where are possible limits to FL national campaign?  From School to Elderly? – where is the target group?  To disseminate knowledge? or to build awareness?  A part of a school curriculum? or beyond the school curriculum?  Time factor – immediate results of programs? or long-term step-by-step improvement of general financial awareness? Photo:  sxc.hu  
  • 9. Objectives – sample (the NBP case) The strategic goals could were specified as:  To deliver basic financial knowledge and skills to secondary schools and universities (for young people)  To give instruction and counteract wrong economic and financial knowledge for better economic awareness (for adults)  To promote equal access to financial education resources by developing virtual education platform(s) (for everybody) Photo:  sxc.hu  
  • 10. Objectives – sample (the NBP case) NBP specified in its Strategy and Annual Action Plans that there would be:  I. programs addressed to affect deep economic culture (through  formal  educa:on   process  and  training:  pupils,  students,  teachers,   journalists)  II. mass education programs to affect shallow economic culture (through mass media programs incl. edutainment: adults)  III. virtual education – internet platform with educational and information resources (through e-learning and edutainment) Photo:  sxc.hu  
  • 11. Objectives of the NBP strategy virtual  educa:on   III.   I.   II.   mass  media,   formal  educa:on   informal  educa:on   Photo:  sxc.hu  
  • 12. Learning Process Design  21st Century learning process - technology is important part of our lifes (...and education)  School models are behind civilization’s changes – although young people are connected to networks all the time  Be innovative – use powerful channels and tools for communicating knowledge and ideas  Think about using ICT in social education – e.g. mobile phones or iPods Photo:  sxc.hu  
  • 13. Learning Process Design  Repeating the message is important – because we forget easily  Ebbinghaus curve Repeating the message – more chances for memorizing Ebbinghaus curve – how we forget in the learning process – 1/2 of the material in first 2 hours… hDp://en.wikipedia.org/wiki/ForgeHng_curve  
  • 14. Learning Process Design  Multiply the message in various channels - reaching target groups from many directions The  Coordina,on  Office   journalists   teachers   social  networks   families   media   internet   schools   Photos:  sxc.hu  
  • 15. Learning Process Design  Build a virtual learning platform  People will listen to the message, but they will forget it – you can offer them a website to search for more valuable and reliable information Photo:  ZrozumFinanse.pl  
  • 16. Learning Process Design  A concept for the FL campaign: the Wallet Education - talk about finances as about the money in wallets of your target group.  All economics must be shown in action. Practical approach, limited theory. Show a link between a person’s wallet and a particular economic mechanism (money relations)  Use arguments based on a reason and logic (opportunities), don’t afraid to shock with possible negative consequences (threats) Photo:  sxc.hu  
  • 17. Planning / Designing  Who’s the Boss? FL campaign must have a leader, being a spokesperson for all actions (supported by the press office)  Both layers of the economic awareness (deep and shallow) must be addressed in the FL campaign - include different types of action, like training and mass media programs  Mass media as Financial Literacy campaign major actors (all, incl. Internet)  Training: first of all – train the trainers and knowledge disseminators (teachers, journalists, academicians, social leaders) Photo:  sxc.hu  
  • 18. Planning / Designing  Develop virtual education in a modern, interactive way; promote the platform in the Internet, attract users to visit it  Visualise (potential) problems, attract the audience by showing benefits, convince to respond to action calls, make interactions  Allow financial edutainment. Play, have fun and learn (e.g. In simulations) – this is a good method for financial literacy  In schools: go beyond curriculum – offer students practical knowledge and tools they would be happy to use in their life Photo:  sxc.hu  
  • 19. Planning / Designing  Do marketing. Education without social marketing is less effective. Significant part of your budget should be marketing and promotion  Networks! People are connected to social networks for most of a day (and night) – it changed the way we as people learn today  Multiply the same message in different tools and programs (multidirection communication)  Repeat the message again and again
  • 20. Planning / Designing  The responsibility for tailoring effective programs is in the coordination team. No one would better know strategic goals and the FL policy  But to implement programs build your FL coalition on national and local levels  This is a long-term action plan. Do not expect solid changes in a short time period. Be ready it will consume significant budgets! Photo:  sxc.hu  
  • 21. Resources Arrange your resources – you go to fight the financial ignorance – what will you need?  Good ideas for financial education programs  Surveys data on your target groups  Staff with mixed competences (eg. educators, economists, sociologists – rather experienced practicioners) Photo:  sxc.hu  
  • 22. Resources  Network of reliable allies (to build national and local coalitions)  Supporting (external) experts (many)  Identified effective channels of communication (e.g. not much sens to invest in press inserts)  Funding (rather a lot of money)  Communication policy (media relations) – FL campaign is about educating masses – mass media must be involved and the press office must support FL educators Photo:  sxc.hu  
  • 23. Evaluation  Measure where you are  Get data on the effectiveness of tools you use – pre-test, post-test, surveys, skill checking...  In a long term FL program some of your action would be experiments; they need to be evaluated before continuing
  • 25. Thank you very much! •  Financial  Literacy  is  a  life  skill  of  21st  Century  –   (lifelong  learning)   Marcin Polak Futuredu & Think! Institute Foundation Warsaw, Poland marcin.polak [at] futuredu.pl
  • 26. Marcin Polak   Marcin Polak was the Head of the Economic Education in the National Bank of Poland (2002-2007), being responsible for strategic planning and implementation of the nationwide and international economic education and financial literacy projects. These initiatives were addressed, among others, to schools, libraries, students, teachers, journalists, priests, judges, as well as, through the mass media, to general public opinion.   He was also responsible for developing international cooperation of central banks in the field of economic education and initiated close cooperation in the field of economic education between banks of the European System of Central Banks.   (Since 2008) President of the Board of the Think Global Ltd., founder of the Think! Institute for Development of Communications and Education, owner and publisher of the Edunews.pl - one of the largest educational web sites in Poland (250 thousand users) promoting modern education programs and tools for the education sector as well as EconomicEducator.eu - international platform for economic and financial educators and experts. He is a member of the European Commission Expert Group on the Financial Education.