Page 19 - 期货和衍生品行业监管动态（2023年1月）

期货和衍生品行业监管动态

effectiveness of their financial education initiatives and thereby help improve
consumers’ digital financial literacy. Amongst others, the ESAs consider it good

practice to:

 publish a blacklist of fraudulent providers to help digitally literate consumers

properly assess the financial risks arising from financial products and

services linked to new technologies, such as crypto assets.

 reach technology-averse consumers not only through digital, but also

non-digital, channels and teach them how to use digital tools to access

financial services safely.

 work closely with teachers to understand their specific educational needs, as

well as help them develop and test adequate educational material, so that
they can serve as multipliers of students’ financial education.

 package financial education initiatives appropriately to increase their reach,

for instance by including entertaining elements, such as games. This can

help consumers acquire relevant knowledge as well as some practical

experience in handling financial matters, thereby creating a deeper and more

appealing learning experience.

 apply search engine optimisation to ensure that NCAs’ financial education

websites appear among the first search results when consumers look for

information on specific financial subjects.

Background and legal basis

The Report is based on an analysis of the Joint ESA’s thematic repository of 127

national financial education initiatives on digitalization with a focus on cybersecurity,

scams and fraud, that was published on 31 January 2022. It also draws on insights
from a joint ESAs high-level conference on financial education and literacy that was

held on 1-2 February 2022 and a workshop with NCAs in September 2022.

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