1. See Definition of financial literacy for 15 year old students, OECD (2013a), "Financial Literacy Framework": Financial literacy is knowledge and understanding of financial concepts and risks, and the skills, motivation and confidence to apply such knowledge and understanding in order to make effective decisions across a range of financial contexts, to improve the financial well-being of individuals and society, and to enable participation in economic life.
APEC (2012), Finance Ministers Joint Policy Statement. http://www.apec.org/Meeting- Papers/Ministerial-Statements/Finance/2012_finance.aspx
Atkinson, A., and Messy, F. (2012). Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study. In OECD (Ed.),
OECD Working Papers on Finance, Insurance and Private Pensions (Vol. 15): OECD Publishing.
Bemheim, D., Garrett, D., and Maki, D. (2001). Education and saving: The long-term effects of high school financial curriculum mandates. Journal of Public Economics, 85, 435-565.
Bradley, L. (2012), Young People and Savings. Institute for Public Policy Research, London.
Bruhn, M., B. Zia, A. Legovini and R. Marchetti (2014, forthcoming), “Financial Literacy for High School Students and Their Parents: Evidence from Brazil”, World Bank.
Cole, S., Sampson, T., and Zia, B. (2010). Prices or Knowledge? What Drives Demand for Financial Services in Emerging Markets? HBS Working Papers 09-11, forthcoming in The Journal of Finance.
G20 (2012), Leaders Declaration, June.
www.g20mexico.org/images/stories/docs/g20/conclu/G20 Leaders Declaration 2012.pdf
G20 (2013), Leaders Declaration, September, http://www.g20.org/load/782795034
Gerardi, K., Goette, L., and Meier, S. (2010). Financial Literacy and Subprime Mortgage Delinquency: Evidence from a Survey Matched to Administrative Data. Federal Reserve Bank of Atlanta, 2010-10.
Hastings, J., and Tejeda-Ashton, L. (2008). Financial Literacy, Information, and Demand Elasticity: Survey and Experimental Evidence from Mexico. NBER Working Paper, 14538.
Hilgert, M. A., Hogarth, J. M., and Beverly, S. G. (2003). Household Financial Management: The Connection Between Knowledge and Behavior. Federal Reserve Bulletin, 89(7), 309-322.
Kempson, E., Collard, S., and Moore, N. (2005). Measuring financial capability: an exploratory study. London: Financial Services Authority.
Kempson, E., V. Perotti P., K. Scott (2013) Measuring financial capability: a new instrument and results from low- and middle-income countries. International Bank for Reconstruction and Development / The World Bank, Washington, DC.
Luhrmann M., M. Serra-Garcia and J. Winter, (2012), “The effects of financial literacy training: Evidence from a field experiment with German high-school children”, University of Munich Discussion Paper No. 2012-24, http://epub.ub.uni- muenchen.de/14101/
Lusardi, A. (2009). U.S. Household Savings Behavior: The Role of Financial Literacy, Information and Financial Education Programs. In C. Foote, L. Goette and S. Meier (Eds.), Policymaking Insights from Behavioral Economics (pp. 109-149): Federal Reserve Bank of Boston.
Lusardi, A., and Mitchell, O. S. (2011). Financial Literacy and Planning: Implications for Retirement Wellbeing. In A. Lusardi and O. S. Mitchell (Eds.), Financial Literacy: Implications for Retirement Security and the Financial Marketplace: Oxford University Press.
Lusardi, A., Mitchell, O. S., and Curto, V. (2010). Financial literacy among the young.
The Journal of Consumer Affairs, 44(2), 358-380.
Lusardi, A., and Tufano, P. (2009a). Debt Literacy, Financial Experiences, and Overindebtedness. NBER Working Paper n. 14808.
Lusardi, A., and Tufano, P. (2009b). Teach Workers about the Perils of Debt. Harvard Business Review (November), 22-24.
Moore, D. (2003). Survey of Financial Literacy in Washington State: Knowledge, Behavior, Attitudes, and Experiences: Social and Economic Sciences Research Center, Washington State University.
OECD (2005a), Improving Financial Literacy: Analysis of Issues and Policies, OECD Publishing. doi: 10.1787/9789264012578-en
OECD (2005b). Recommendation on Principles and Good Practices for Financial Education and Awareness: OECD, Directorate for Financial and Enterprise Affairs, http://www.oecd.org/finance/financial-education/35108560.pdf
OECD (2008), Improving Financial Education and Awareness on Insurance and Private Pensions, OECD Publishing. doi: 10.1787/9789264046399-en
OECD. (2009a). Financial Literacy and Consumer Protection: Overlooked Aspects of the Crisis. from http://www.financial-education.org/dataoecd/32/3/43138294.pdf
OECD/INFE. (2009b), Financial Education and the Crisis: Policy Paper and Guidance. June 2009. www.oecd.org/finance/financial-education/50264221.pdf
OECD (2013), "Financial Literacy Framework", in OECD, PISA 2012 Assessment and Analytical Framework: Mathematics, Reading, Science, Problem Solving and Financial Literacy, OECD Publishing. doi: 10.1787/9789264190511-7-en
Ratcliffe C., S. McKernan (2013), Forever in Your Debt: Who Has Student Loan Debt, and Who’s Worried. The Urban Institute and FINRA Investor Education Foundation.
Sherraden S. M., Johnson L., Guo B., Elliot W. (2010). Financial capability in children: Effects of participation in school-based financial education and savings program. Journal of Family and Economic Issues, 32, 385-399. doi: 10.1007/s10834-010-9220-5
Smithers, R. (2010, 18 March 2010 ).
http: //www.guardian.co.uk/money/2010/mar/18/university-students-graduate - mouting-debts. Guardian.
Van Rooij, M. A., Lusardi, A., and Alessie, R. (2011). Financial Literacy and Stock Market Participation. Journal of Financial Economics, 101(2), 449-472.
Whitebread, David and Sue Bingham (2013), Habit Formation and Learning in Young Children, Money Advice Service, London.
https: //www.moneyadvice service. org.uk/file s/the -money-advice -service -habit- formation-and-learning-in-voung-children-mav2013.pdf
Yoong, J. (2011). Financial Illiteracy and Stock Market Participation: Evidence from the RAND American Life Panel. In A. Lusardi and O. S. Mitchell (Eds.), Financial Literacy: Implications for Retirement Security and the Financial Marketplace: Oxford University Press.