University of Oxford’s Saïd Business School launches five-year program addressing financial literacy
Using a £1.5 million donation from fintech company Capital.com, the University of Oxford’s new research program aims to address urgent issues caused by a lack of financial literacy.
Saïd Business School’s Oxford Future of Finance and Technology Initiative will run for five years, bringing together experts in behavioural finance and corporate social responsibility to help people improve their financial judgement.
Research has found that only one third of the world’s adult population can perform basic financial tasks and can be considered financially literate. A recent UK study found that nearly half of the adult population suffer with “money worries”, with younger adults and ethnic minorities most severely affected.
The new research laboratory will be led by Dr Shumiao Ouyang and Professor Pinar Ozcan, lead of the Oxford Future of Finance and Technology Initiative.
“Lack of financial education doesn’t just affect people’s wallets - it takes a toll on their mental and physical health and limits their ability to plan for the future,” Professor Ozcan comments.
“I’m grateful to Capital.com for stepping up to address this critical issue and backing research that can drive real, lasting change.”
The research will examine the causes of and prevalence of financial illiteracy and provide policy recommendations for effective, data-informed, financial education programs. The project will also create new features and games aimed at developing financial skills.
“Our research will combine behavioural economics, AI, and digital technologies to design accessible financial education strategies,” Dr Ouyang adds. “By equipping individuals to navigate modern digital trading environments, we aim to enhance financial resilience and promote responsible financial behaviours. We’re grateful to Capital.com for their generous support in making this work possible.”
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