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 (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 2021, the Museo del Risparmio (Museum of Saving) responded to the uncertainty and challenges posed by the pandemic by adopting a method of training and spreading knowledge about the financial culture that is increasingly oriented towards “phygital”, namely combining the immediacy and usability of digital communication with physical interaction, where the context has allowed it.

This approach has allowed around 45,600 users to be reached during the year, of which 40,000 primary and secondary school pupils and teachers with a total of 844 training hours provided and 5,600 adults involved through events, dedicated promotional initiatives and visits to the Museum.

Examples of projects

S.A.V.E. Virtual Tour 

The S.A.V.E. Virtual Tour stands out among the new ideas developed for the school world. It is a multimedia programme dedicated to education on savings and sustainability, developed in collaboration with the EIB Institute, already adopted by 740 classes throughout Italy. This path allows pupils in primary and secondary schools to enjoy multimedia videos, gaming apps and workshops to learn how to consciously manage the scarcity of resources. The course is accompanied by in-depth webinars for teachers and online lessons for pupils. 
After an experimental phase started in 2020, a modular proposal for financial education available online as part of the “Programmes for transversal skills and career guidance” (PCTO) reserved for secondary schools was put on the catalogue. The path, consisting of four 10-hour modules, explores four topics (Currency; Role of finance in society; Ethical and sustainable business; Risk and planning) with the viewing of multimedia content, the development of role plays and the realisation of group project works. In total, in 2021, 90 classes and about 1,800 students had taken part in the Museum’s PCTOs.

Young Factor Project

The partnership with the Osservatorio Permanente Giovani-Editori (Young Publishers’ Forum) for the Young Factor project continued in 2021, with the aim of supporting young people’s critical reading and economic and financial literacy. The initiative managed to continue with the project in schools, in spite of the health emergency, thanks to distance learning involving over 565,000 pupils.

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.

Experimental project

We report the experimental project launched by the Savings Museum in collaboration with Intesa Sanpaolo Innovation Center - through its Neuroscience Lab - and the IMT Alti Studi School of Lucca, which promoted the creation of a neuroscientific study on savings behavior in girls and boys, using cutting-edge technological tools.

Projects in presence

The educational projects with face-to-face lessons for school groups, after the suspension due to lockdowns, were

resumed in July, with the involvement of a total of about 1,350 pupils:

  • MOney LEarning: project developed with the EIB Institute and Fondazione per la Scuola della Compagnia di Sanpaolo and reserved for primary schools in Piedmont, Lombardy, Valle d’Aosta and Liguria;
  • Next Land: a project developed with the Associazione Next Level, the Fondazione Vodafone Italia and various Turin museums to provide innovative teaching to schools in difficult neighbourhoods; 
  • La Bella Estate: educational programme developed with the Compagnia di Sanpaolo and city museums for groups in summer centres.

Special events

There were 23 special events for children, including, by way of example: the 6th edition of "My place in the world", a festival organized in collaboration with the Lavazza Museum, which saw the participation of over 6,000 students in two days; the 5th edition of the "Fuoriclasse della Scuola" Campus in collaboration with the Ministry of Education, FEduF, Abi and Confindustria, for the 60 best Italian students, winners of the School's National Olympics.

Initiatives aimed at vulnerable individuals for inclusion

Welcom-ed” dedicated to migrants; “Prometti di prenderti cura di te” (Promise to take care of yourself), for women in vulnerable conditions; “LEI” and “Logos” for the social reintegration of female prisoners on their release and for former prisoners (36 meetings for a total of about 70 hours of training). In addition, a “Permanent Discussion Group for Financial Education and Social Inclusion” was launched together with the Fondazione Triulza and the Foundation for Financial Education and Savings in order to provide operators in the Third Sector with effective tools to disseminate basic financial skills among their reference groups.

Events dedicated to adults

The schedule of 30 digital and blended events (of which 10 were reserved for teachers) which reached about 3,400 people live and 2,300 on-demand views1 during the period considered. The new formats introduced in 2021 included four events and an online review, four Digital Live Talks and a competition for young designers aimed at raising awareness among the younger generations about the fight against waste and the importance of a green approach.

On the international front, on the occasion of the World Savings Day, the collaboration between the Museum and the Banks of the International Subsidiary Banks Division continued in 2021; nine of them proposed activities promoting financial education within “The Art of Saving” initiative, involving 120 local schools and reaching over 5,000 participants.

Intesa Sanpaolo and Consumer Associations

Image of people

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, updating sessions followed 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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