These instruments complement (and might also inform) the individual (ex-ante) protection, which is enhanced by financial education both in schools and for adults. *  *  *  To conclude, in recent years, following the financial crisis, trust in finance has been severely damaged.
As a whole, it may only be restored through the implementation of a combination of instruments, developed within a coherent framework. This is a fundamental pre-condition for the efficient operation of the financial system. The latter, in turn, is an essential requisite for more financially-literate firms to exploit its full potential. References Ambrosetti Club (2015), “Finance for growth”, http://www.ambrosetti.eu/en/download/studiesand-presentations/2015/finance-for-growthal.