I agree that behaviour change is key, yet it is the least addressed in most learning, not just financial education. I like the incentives that you have created. Whenever I teach Financial Literacy, or any topic, action planning is mandatory - at least it's the first step in trying to apply the learning. With young people in FL, we have created WhatsApp groups (with their permission) for accountability purposes, and we have created savings groups, which have been successful. We also bring in financial institutions to open savings accounts right after the session. One powerful experience was when digital accounts were opened during a session, demonstrating how easy it was to open a low-KYC digital account.
I agree that behaviour change is key, yet it is the least addressed in most learning, not just financial education. I like the incentives that you have created. Whenever I teach Financial Literacy, or any topic, action planning is mandatory - at least it's the first step in trying to apply the learning. With young people in FL, we have created WhatsApp groups (with their permission) for accountability purposes, and we have created savings groups, which have been successful. We also bring in financial institutions to open savings accounts right after the session. One powerful experience was when digital accounts were opened during a session, demonstrating how easy it was to open a low-KYC digital account.