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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

Image of a young student

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).

Museo del Risparmio (Saving 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 and also to combat the wider phenomenon of social exclusion. 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 2022.

Founded in 2012 in Turin, thanks to the financial support of the Intesa Sanpaolo Group, of which it is part, it was a pioneer in the spread of financial education in Italy, so much so that it was the first museum in the world dedicated to this topic.  In 2025, the Museum reached over 154,000 people through educational activities for students and adults, including outreach events, workshops, and training programs, also delivered online with the constant presence of a tutor.

The actions developed by the Savings Museum are based on scientific surveys aimed at exploring the needs in terms of financial literacy of the different population targets. 

In 2025, new formats were developed, such as “Una finestra sul mondo” (A Window on the World), a series of monthly webinars designed to provide high school students with basic skills on behavioral finance, inflation, debt, cryptocurrencies, the pension system, and misinformation, and “Edunfin e Letteratura” (Edufin and Literature), four events exploring important economic concepts through literary masterpieces. The commitment begun last year continues with modular programs, such as EduFin&Fun for younger children (6-14 years old) and the “Percorso di Formazione Scuola e Lavoro” (School and Work Training Courses) for young people (15-18 years old), to promote understanding of economic concepts and prepare new generations for future financial decision-making.

Projects and events for schools developed by the Saving Museum

The Savings Museum promotes social inclusion through the dissemination of financial skills and educational inclusion through a rich programme of educational initiatives, designed for both children and adults, who can join either on an individual basis or in groups through schools or non-profit sector associations. 

  • EduFin&Fun for primary and secondary schools”: three meetings during which to explore the history and functions of money, elements of personal budget management and safe use of the Internet and the first online purchases. 
  •  “Percorsi di Formazione Scuola e Lavoro” (“School and Work Training Courses”): various basic financial education modules dedicated to secondary schools, which classes can choose and combine based on their specific needs. Overall, in 2025, 416 classes, representing over 8,000 students, participated in the programs.
  • S.A.V.E. Virtual Tour: multimedia path dedicated to education on savings and sustainability, enriched in 2022 with the SAVE Ambassador initiative that allows students to develop active research projects on how to make their cities more sustainable from a social and environmental point of view. 
  • S.A.V.E. Ambassador: a program designed for various school levels that introduces sustainable and inclusive production and consumption models, with a particular focus on the circular economy, through dedicated videos and game apps, engaging students in hands-on activities to apply the principles.
  • "Una finestra sul mondo" (A Window on the World): a series of six monthly informative webinars, designed to provide young people with the basic knowledge they need to approach the world of economics with an informed mind.

In addition to guided tours and structured itineraries, the Savings Museum. It offered elementary, middle, and high school students a program of 27 educational events, organized monthly, designed to spread basic financial literacy through playful means. Using edutainment and cross-disciplinary approaches, the events also addressed topics such as cyber and digital security, artificial intelligence and cryptocurrencies, human capital, and the circular economy.  Among the most significant events:

  • L’economia che ci piace” (The Economy We Like): a meeting with physicist and popularizer Vincenzo Schettini with over 10,300 participants.
  • Edufin e Letteratura” (Edufin and Literature): a new series of four meetings to analyze the economic issues hidden in some literary masterpieces of the past. 
  • A series of online webinars for elementary schools hosted by For and Mica, the mascots of the Savings Museum, attracted over 30,200 participants.

A total of approximately 8,400 children and young people participated in in-person activities, and 124,000 were involved in remote learning activities, always accompanied by a tutor, for a total of over 2,266 hours of training provided.

In collaboration with the “Financial Literacy International Network” (FLITIN), a network of Financial Education Ambassadors belonging to the 11 international subsidiary banks of the Intesa Sanpaolo Group promoted by the Museum, educational workshops on basic financial culture were organized that involved over 12,400  students with the aim of raising awareness  using a playful and engaging method. 

Other initiatives of the Saving Museum

Since 2017, the Savings Museum has set itself the goal of designing pilot initiatives specifically aimed at segments of the population which, for various reasons, can be considered socially vulnerable, such as women, migrants, prisoners, students from disadvantaged backgrounds, and people with mild cognitive disabilities. The main activities to support the development of financial education among the most socially vulnerable categories included: 

  • “Welcom-ed”: dedicated to migrants and foreign students from the Provincial Centres for Adult Education (CPIA) and to the youngest people of the Communities to raise their awareness of basic financial terminology, simple budgeting and planning techniques and the operation of the most widespread financial instruments. 
  • “Prometti di prenderti cura di te (Promise to take care of yourself)”: designed to provide women victims of violence with the basic economic knowledge and skills needed to achieve personal emancipation and economic independence. 
  • “LEI” and “Logos”: a programme for female inmates at the end of their sentence and ex-inmates designed to enhance their opportunities in the job market in the perspective of leaving prison and to prevent the phenomenon of recidivism.

In 2025, Museo del Risparmio contributed to the WILL and PERCORSI asset-building programs, promoted by the Ufficio Pio of Compagnia di Sanpaolo to support low-income families and students living in Turin and the Metropolitan City, respectively, to encourage investment in their education and schooling. As part of these programs, approximately 650 parents and 500 students benefited from a series of basic financial education sessions. Overall, in 2025, Museo del Risparmio's training activities for the vulnerable reached approximately 2,030 people.

In parallel, outreach efforts for adults continued with a program of 65 digital and blended events, reaching approximately 11,200 people and over 448,000 on-demand views during the reporting period. New initiatives include: "From Queen of the House to Money Queen," a three-session program providing useful tools for managing the decisions that impact women's financial well-being at different stages of their lives; "Save for a Dream," a series of four live meetings designed to demonstrate how conscious money management can transform from a simple sacrifice into an extraordinary opportunity, through the stories of four leading figures from the worlds of entertainment, music, lifestyle, and sports; and "Easy Debt, Difficult Life," a training module for preventing over-indebtedness.

Other projects of financial education

Young Factor Project

The partnership with the Osservatorio Permanente Giovani-Editori for the Young Factor project continued in 2024, with the aim of supporting critical reading and economic and financial literacy among young people.

The initiative continued with the project in schools, involving almost 700,000 students.

Developed as part of the Il Quotidiano in Classe initiative, the project has evolved with new content and meetings in Italian schools, seeking to facilitate the spread of an economic and financial culture among young people, providing them with useful cognitive support to make informed choices about their future and foster the formation of responsible citizens. By reading several newspapers in comparison, it aims to help young people develop that critical spirit that is essential to being free citizens tomorrow - the project intends to promote the spread of economic and financial culture among young people, provide useful knowledge supports to make informed choices for their future, and foster the formation of responsible citizens. Teachers and classes participating in the project include in their educational program an in-depth study of the issues underlying economics, finance and the rules that govern financial and banking activities. The educational work draws inspiration from current issues (the economic crisis, the performance of financial markets, etc.) and allows for an in-depth study of the various topics, bringing them back to the daily reality of the kids.

Other projects of financial education

Young Factor Project

The partnership with the Osservatorio per il Pensiero Indipendente (Observatory for Independent Thinking), formely known as Osservatorio Permanente Giovani-Editori,  for the Young Factor project continued in 2025, with the aim of supporting critical reading and economic and financial literacy among young people. 
 
The initiative continued with the project in schools, involving almost 700,000 students. 
 
Developed as part of the “Il Quotidiano in Classe” (Class Newspaper) initiative, the project has evolved with new content and meetings in Italian schools, seeking to facilitate the spread of an economic and financial culture among young people, providing them with useful cognitive support to make informed choices about their future and foster the formation of responsible citizens. By reading several newspapers in comparison, it aims to help young people develop that critical spirit that is essential to being free citizens tomorrow - the project intends to promote the spread of economic and financial culture among young people, provide useful knowledge supports to make informed choices for their future, and foster the formation of responsible citizens. Teachers and classes participating in the project include an in-depth study of the issues underlying economics, finance, and the rules that govern financial and banking activities in their educational program. The educational work draws inspiration from current issues (the economic crisis, the performance of financial markets, etc.) and allows for an in-depth study of the various topics, bringing them back to the daily reality of the kids.

During 2025, Osservatorio per il Pensiero Indipendente also organized the “Young Factor” international conference, which hosted 400 European students in Milan for three days of lectures and meetings with leading figures in international finance, including several central bank governors.

Financial education for consumer associations and the population

Image of people

As part of relations with Consumer Associations, the "Mettere in comune competenze" project is active. It is born from the desire to transfer professional knowledge, in order to increase, on the one hand, the capacity for mutual collaboration and, on the other , the financial education of national and regional managers of consumer organizations, who are then able to actively support the citizens who turn to them in economic matters.

Periodically and upon request, we also hold webinars and courses in presence in the area together with the Associations, generally aimed at the most fragile segments of the population, on financial, banking and insurance and extremely current topics, such as over-indebtedness, fraud and scams.

The project, carried out in collaboration with the Impact Learning Structure, respects the initial division into four sectors which have evolved and adapted to new situations and needs.

"Formiamo l’Italia dei Consumatori"

"Formiamo l’Italia dei Consumatori", "Let's train Italy's consumers", a series of seminars on economic and financial topics. Intesa Sanpaolo specialists and Group managers have "guided" in recent years the central executives of the Associations in the banking economic world, from the ABC of markets and financial instruments to the fundamentals of risk and return, from managed savings to derivatives and the main analysis methodologies, to conclude with an in-depth analysis of the regulatory framework and mechanisms that led to the Subprime crisis, which evolved into the sovereign debt crisis.
After the first cycle of seminars, refresher sessions followed with insights into the international macro-economic scenario and the banking system, the insurance and social security sector, investment products, the world of online banking services, the digital economy, cybersecurity and artificial intelligence. 

"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:
Classrooms
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.
E-learning
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.
Intranet
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 Businesses and Made in Italy. 

Video. Clips were also created for Group employees with in-depth analysis of non-banking issues illustrated by delegates of consumer associations.

"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. In the past a region of Italy was identified in which to organize a series of seminars on banking, financial and insurance issues. In 2021-2023, 9 webinars has been realized that have involved all italian regions. Since 2024, in addition to in-depth webinars, there have been meetings for macro-regions (North, Center and South of the country).

"Ecco come ti vediamo noi consumatori"

Thanks to the session "This is how we consumers see you", a fruitful listening was established by the top managers of the Intesa Sanpaolo Group to the requests brought forward by the Managers of the Associations, which gave rise to many initiatives, such as: the creation of an Agreement Framework for regulating joint activities, previewing products and services and joint training of conciliators.

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