Market institutions arise to overcome these barriers to trade, but do not arise wholly-formed and perfect. Market institutions evolve. Buyers and sellers gravitate towards markets that prove most effective in fostering transactions, and this rewards successful innovation and refinement in the institutional forms of markets. As market institutions adapt to serve the particular needs of their participants, they grow more varied and specialized.
These were: •  Preparation of a national financial competency building strategy;  •  Implementation of adult financial literacy programs; and,  •  Integration and strengthening of financial education into the core curriculum at primary and secondary school levels.