Financial education is not working
Across Europe, financial literacy levels remain low despite increased focus from schools, governments, and institutions. At the same time, money has fundamentally changed.
Cash has disappeared.
Transactions happen instantly.
Financial decisions are digital.
This creates a critical gap. People learn about money in theory—but act in a completely different reality.
Financial education today is often static, outdated, and disconnected from real-life financial behavior.
Financial literacy only improves when learning is combined with real-world financial action.
Banks are central to financial behaviour but absent from financial learning
Banks sit at the center of financial transactions. They control accounts, payments, and financial infrastructure. Yet they are largely missing from the moment where financial habits are formed.
Today
Parents are the primary educators
Schools provide limited support
Digital platforms shape behavior

Only 2% of teenagers say they learn about money from banks
Designed for how children actually learn about money
Research shows that financial behavior is not shaped by knowledge alone.
Effective financial education requires
Practice
Repetition
Context
Motivation

“Children learn about distant topics in school but not how to manage their own money. That needs to change.”
Gimi is built on four core principles



Gimi brings together expertise from
Banking and financial services
Product and technology
Behavioral science and education






