Financial education

A commitment that the Intesa Sanpaolo Group feels is particularly close to its area of expertise is the dissemination of knowledge of economic/financial issues, to make people more aware of their financial choices, with a particular attention on the new generations. There are many initiatives that are realized by making available, without commercial purposes, our experience and advice on the issues of savings management and family budget.

A special focus on young people

The Intesa Sanpaolo Group is actively involved in initiatives to develop and spread financial and economic knowledge, in particular to young people, ever more in need to make relevant choices for their welfare (pensions, investments, savings).
The attention that the world of finance addresses to this issue has led the Italian Banking Association to set up the "Foundation for Financial Education and Saving" (Fondazione per l'Educazione Finanziaria e al Risparmio).

"Young factor" initiative

Since the 2008/2009 school year, Intesa Sanpaolo has promoted, together with the Permanent Youth-Publishers Observatory, the project "Financial culture at school: to prepare to choose", which since May 2014 has been renamed "Young Factor". The initiative is dedicated to secondary school students and in the 2019/2020 school year involved 2,153 schools, 23,738 classes and 617,188 students. Developed as part of the "Il Quotidiano in Classe" initiative - which, through the reading of several newspapers in comparison, proposes a path of media literacy, to help young people develop that critical spirit essential to be free citizens tomorrow, the project intends to encourage the diffusion of an economic-financial literacy among young people, providing knowledge supports useful for making informed choices for their own future, trying to make them more masters of their own means and thus favoring the formation of responsible citizens.

The initiative is divided into 3 points:


  • a "Work Book" to support teachers in carrying out the activity starting from 10 keywords with didactic cards and newspaper articles
  • 30 video clips to offer teachers further ideas to address the issues in the classroom
  • 5 training and information meetings to present the project and talk about economic and financial topics to students and teachers

Classroom lessons: 

  • Classroom lessons starting from the 10 key words 


  • To measure the effectiveness of the work done in schools as part of the project, an independent research institute conducts a survey every year. 

Starting from the 2019/2020 school year, the new "Young Factor" APP is also available free of charge for teachers, created with the aim of bringing the initiative to all classes through a new, more immediate and innovative path , lots of up-to-date news on topical issues and various video lessons.

Museo del Risparmio (Savings Museum)

The Savings Museum is a multi-media, interactive museum set up in 2012 by Intesa Sanpaolo. Dedicated to families, adults and children, the museum explains the concepts of saving and investing with a clear, simple language, to help improve financial literacy. In 2013 it founded the International Federation of Finance Museums (IFFM) in collaboration with the Museum of Global Finance in Beijing, the Museum of American Finance in New York and the Global Financial Literacy Excellence Center in Washington, and became co-chair in 2015.

In collaboration with member institutions of the IFFM, a number of concrete proposals were made in 2016 to encourage the greater involvement of women in financial issues ("Addressing the gender gap in financial literacy: a practical toolkit"). Other initiatives particularly for women were also been adopted, with the aim of breaking down the gender gap in financial education. These include "Rischiare? È un mestiere da donne" (Taking risks? It's a woman's job), designed to encourage debate among adult women on how to gain more awareness and promote saving. The new "It’s up to you" workshop for 11 to 14 year-olds, which is part of the same theme, helps youngsters to plan their personal finances without gender stereotypes.

Many initiatives were set up for all types and levels of schools, starting from the three-year project MOney Learning, developed with the European Investment Bank and Fondazione per la Scuola della Compagnia di San Paolo. The aim of MOney LEarning is to offer new learning opportunities to children of elementary schools in remote areas of Piedmont, who are brought to Turin without any disbursement by families and can have access free of charge to the Savings Museum, where they participate to a guided tour about the meaning of savings and the history of the currency.
The Museum also participated with the Foundation for Financial Education and Savings and the Italian Banking Association at the first edition of the "Fuoriclasse della Scuola", an initiative that rewards students of the high schools who win the School Olympics, competitions organized annually by Ministry of Education and Research. For the occasion, a Campus on Financial and Entrepreneurship Education was organized and hosted at the Museum, where the 45 selected students were able to meet successful business men and start-uppers, to know about international financial institutions and to attend workshops about team building and soft skills strengthening.

Intesa Sanpaolo and Consumer Associations

Within the scope of the collaboration with Consumer Associations, the project "Mettere in comune competenze" (Skills pooling) has been set up. It stems from the Bank’s intention to improve the mutual knowledge and collaboration skills to the benefit of customers and consumers.


"Formiamo l’Italia dei Consumatori"

"Formiamo l’Italia dei Consumatori" (Let’s train Italian consumers), a series of seminars on economic and financial issues. Intesa Sanpaolo specialists (Training Department) and the Group's managers “tutored” the Associations’ central management on aspects of the banking industry: from the ABC of markets and financial instruments, to the basics of risks and returns, asset management, derivatives and the main analysis methods. Specialists concluded with an in-depth study of the regulatory framework and the mechanisms that led to the Subprime crisis, which evolved into the sovereign debt crisis. After the first cycle of seminars focused  on the international macro-economic scenario and the banking system, on the insurance and social security sector, on investment products, the PSD2, the world of online banking services and the digital economy.

"Formiamo la banca dei consumatori"

"Formiamo la banca dei consumatori" (Let’s train the consumers’ bank) aimed at promoting a training programme for all Intesa Sanpaolo employees in Italy with the intention to develop a greater knowledge of consumer culture and improving customer relations skills. The project involves the different training channels:
For the first time, on an experimental basis, some time slots, handled independently by a representative of one of the Associations that took part in the project, were included in the training courses for new recruits and for new managers. During the lessons the topics of consumer culture were covered and a lot of space was dedicated to debate and exchange of views on the protection of the client / consumer rights.
Video-lessons held by Consumer Associations’ representatives on the guarantees of goods and services, with particular attention to rights and regulations were recorded. The video-lessons addressed, among others, the issues of out-of-court settlement, commercial practices and the Consumer Code.
Web pages dedicated to the consumer culture were created and made accessible by all Bank staff. Among the various sections, as well as a brief history of consumerism, colleagues can find news from the Associations, the rules of the out-of-court settlement in Intesa Sanpaolo, as well as links to the sites of all the Associations that are part of the National Council of Consumers and Users at the Ministry of Economic Development.

"Formiamo le regioni dei consumatori"

"Formiamo le regioni dei consumatori" (Let us train the consumers’ regions) aimed at increasing consumers’ banking and financial knowledge through the training of tutors and Associations managers at local level, thanks to the cooperation of the Intesa Sanpaolo’s experts. Every year a region of Italy is identified in which to organize a series of seminars on banking, financial and insurance issues. At today (May 2022), the regions involved have been Lombardy, Piedmont, Campania, Tuscany, Sicily, Calabria, Puglia, Basilicata, Valle d’Aosta, Liguria, Veneto, Trentino-Alto Adige, Marche, Emilia-Romagna, Umbria e Abruzzo  with the participation of around 350 local managers of consumer associations

"Cara banca: ecco come ti vediamo noi consumatori"

In the last section, "Cara banca: ecco come ti vediamo noi consumatori" (Dear Bank: this is how we consumers see you), the Intesa Sanpaolo Group’s top managers and the Associations’ key executives will pool together their skills and guidelines in a series of specialised meetings according to key business area, such as retail, legal and customer service.

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