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FinComp2022-2023

Structure, competences and descriptors of the framework, reproduced from the official publication.

8 areas · 125 competences · 802 descriptors

Areas8 Competences125

Adults

1Money and Transactions

1.1Money and Currencies
1.2Income
1.3Prices, Purchases and Payments
1.4Financial Records and Contracts

2Planning and managing finances

2.1Budgeting
2.2Managing Income and Expenditure
2.3Saving
2.4Investing
2.5Longer-Term Planning and Asset Building
2.6Retirement
2.7Credit
2.8Debt and Debt Management

3Risk and reward

3.1Identifying Risks
3.2Financial safety nets and insurance
3.3Balancing Risk and Reward

4Financial Landscape

4.1Regulation and Consumer Protection
4.2Rights and Responsibilities
4.3Financial Education, Information and Advice
4.4Financial Products and Services
4.5Scams and Fraud
4.6Tax and Public Spending
4.7External Influences

Children and youth

Audiences · 6–10 · 11–15 · 16–18

1Money and Transactions

1.1Money and Currencies
1.2Income
1.3Prices, Purchases and Payments
1.4Financial records and contracts

2Planning and Managing Finances

2.1Budgeting/ Planning
2.2Managing and Planning Income and Expenditure
2.3Saving
2.4Investing
2.5Retirement and Pensions
2.6Credit

3Risk and Reward

3.1Identifying Risk and Reward
3.2Relationship between Financial Risk and Reward
3.3Insurance and Managing Financial Risk

4Financial landscape

4.1Financial Products, Services and Providers
4.2Consumer Protection
4.3Rights and Responsibilities
4.4Scams and Fraud
4.5Financial Education, Information and Advice
4.6Tax and public spending
4.7External Influences

European Union/OECD (2022), Financial competence framework for adults in the European Union; European Union/OECD (2023), Financial competence framework for children and youth in the European Union

Official publication Source attribution

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