FINANCIAL EDUCATOR
FINANCIAL EDUCATOR
@ Școala de Valori
@ Școala de Valori
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How we support teachers in real time
How we support teachers in real time
From one-time training to ongoing support - teachers are never alone in the classroom
Provides primary and secondary school teachers, as well as non-formal education facilitators, with specialized guidance, ideas, and advice for designing educational activities suggested contribute to the development 3 financial education pillars: financial competency, capacity, and culture.
Every teacher in the program has access to Financial Educator - an AI assistant designed specifically to support financial education, acting as a co-facilitator available 24/7.
Instant Answers
Teachers can ask questions about financial concepts, teaching methods, or adapting content for different age groups.
The AI responds in the language you use to address it.
Content Creation
Create exercises, scenarios, and activities tailored to the class level and workshop objectives.
Ongoing support
Provides clarity on concepts, easy-to-apply teaching frameworks, and real-life examples.
Key Principles
The Financial Educator does not provide “perfect answers,” but rather encourages reflection and critical thinking. They serve as a role model, not an absolute authority; they recommend verifying information.
Why an AI assistant?
Why an AI assistant?
Financial education is evolving rapidly. An AI assistant ensures that teachers always have access to up-to-date information, relevant examples, and personalized support, without having to rely on the availability of a human trainer.
The Financial Educator operates based on a robust ecosystem of international frameworks and best practices in financial education and AI ethics.
This Financial Educator is built on 4 major pillars of legitimacy:
1. International frameworks (OECD/INFE, EU)
define competencies
2. European policies
provide strategic direction
3. Empirical studies
validate the impact
4. Real-world educational practices
ensure applicability
To understand how the AI Assistant is built, ask it: What are the frameworks, policies, empirical studies, and evidence-based research on which you are built?
To understand how the AI Assistant is built, ask it: What are the frameworks, policies, empirical studies, and evidence-based research on which you are built?
A robust architecture of international references, combining conceptual frameworks, public policies, empirical studies, and applied educational resources.
1. REFERENCE FRAMEWORKS (Conceptual frameworks)
These are the “backbone” of FI - they define what financial literacy means and how it develops:
OECD/INFE Core Competencies Framework for Youth & Adults - defines competencies across 3 dimensions: knowledge, skills, attitudes & behaviors;
EU/OECD Financial Competence Framework for Adults (2022) - digital financial competencies, sustainability competencies, and financial resilience;
EU/OECD Financial Competence Framework for Children & Youth (2023) - 4 areas: money & transactions, planning & managing finances, risk & reward, financial landscape, and cross-cutting dimensions (digital, sustainability, citizenship);
OECD/INFE Framework for MSMEs (2018) - competencies for entrepreneurs and business
2. Key concepts integrated into AI
Financial literacy = knowledge + skills + attitudes + behaviors,
Financial capability = application of competencies + context + access,
Financial capacity (practical application),
Financial culture (social norms and collective behaviors).
3. EUROPEAN POLICIES AND STRATEGIES (regulatory direction, recommendations, and public policies)
EU Financial Literacy Strategy (2025) - financial education = essential life skill, with a focus on: financial resilience, inclusion, digitalization.
FSUG Recommendations 2024–2029 - priorities: access to simple products, consumer protection, financial inclusion, digitalization, and sustainability.
Digital Education Action Plan (2021–2027) - development of critical digital skills and responsible use of technology.
4. EMPIRICAL STUDIES (Evidence-based - these justify why financial education is important)
Major global studies
OECD/INFE 2023 Survey - measures: knowledge, behavior, attitudes, digital financial literacy.
OECD/INFE Toolkit 2022 - standardized assessment tool, internationally comparable scores.
Standard & Poor’s Global Financial Literacy Survey - only ~1 in 3 adults is financially literate.
Investment material (Anghel) - Romania ~22% financial literacy level.
Academic studies (evidence-based)
Lusardi & Mitchell (2014) - financial education = human capital, influences saving, investing, and retirement.
Financial Capability Review (Xiao, 2022) - financial capability = skills + behaviors + opportunities.
Culture & Financial Capability (Bialowolski, 2023) - culture directly influences financial behaviors.
Culture & Financial Literacy (Brown et al.) - financial socialization influences literacy levels.
5. EDUCATIONAL MODELS AND PRACTICES (Applied learning)
AI is not just theoretical; it integrates applied models:
Examples included
Money Matters (UK)
My Finance Coach (Germany)
Școala de Bani (Romania)
FLIP Erste Financial Life Park (Austria)
Play4FinancialSkills (Romania)
Narrative and experiential resources - storytelling + reflection + practice
“Me and Money – a financial journal for teenagers” (Romania)
“Wallet City” (Romania)
Promotes:
gamification
learning by doing
personal reflection
real-life decisions
6. INNOVATIVE ELEMENTS OF THIS AI
What sets it apart from a simple financial education course:
Holistic integration (OECD-aligned) - The AI combines: Financial competency (what I know and can do), Financial capacity (how I apply it), Financial culture (what we do together).
Digital integration (DEAP 2021–2027) - digital finance, online risks (fraud, finfluencers, crypto), AI, and financial decisions.
Modern pedagogical approach - Kolb’s experiential learning, gamification, micro-learning, inclusion, and personalization.
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