Let me also add that IVASS is now planning an exercise to measure insurance literacy, a still underexplored dimension of financial capability; even if it is a novel concept, it could become an international benchmark. I would like to stress that, as international experience shows, single institutions cannot fill all the gaps: a nationally-coordinated approach to financial education is a key factor for success.
Financial education needs an interdisciplinary approach and strong cooperation among many stakeholders, including academia, private sector and civil society, as well as the public sector, so that all the points of view can be taken into account, from pedagogy to neuro-economy. Last October, some preliminary evidence of the Survey of financial education initiatives in Italy in the years 2015-17 was released.