Financial education and consumer protection

Measuring Financial Literacy


Assessing the levels of financial literacy in the population is a key component of a successful national strategy for financial education, enabling policy makers to identify gaps and design appropriate responses. International comparisons increase the value of such an assessment by enabling countries to benchmark themselves with other countries. Where similar patterns are identified across countries, national authorities can work together to find common methods for improving financial literacy within their respective populations.

OECD/INFE 2020 International Survey of Adult Financial Literacy


This report provides measures of financial inclusion including elements of financial resilience and a newly-created score on financial well-being.

Twenty-six countries and economies, including 12 OECD countries, participated in this international survey of financial literacy, using the 2018 OECD/INFE toolkit to collect cross-comparable data. The survey results report the overall financial literacy scores, as computed following the OECD/INFE methodology and definition, and their elements of knowledge, behaviour, and attitudes.

G20/OECD INFE report on adult financial literacy in G20 countries


This report describes the levels of financial literacy of adults in G20 countries and the Netherlands and Norway, guest countries under the G20 German Presidency. It was presented to G20 Leaders at their Summit Meeting in Hamburg on 8 July 2017. 

Survey on measuring financial literacy and financial inclusion


Addressing a call by G20 Leaders to develop practical tools for financial literacy measurement, the OECD/INFE has conducted an international data collection exercise for measuring financial literacy and financial inclusion. A total of 51,650 adults aged 18 to 79 from 30 countries and economies participated in the survey. 

OECD PISA financial literacy assessment of students


The OECD Programme for International Student Assessment (PISA) has tested 15 year-olds on their knowledge of personal finances and ability to apply it to their financial problems.

The results presented in this third survey provide a cross-comparable measure of the financial literacy of 15-year-old students in participating countries, and explore the association with levels of financial literacy and opportunities to acquire financial literacy in school, at home and through personal experience.. The results of this assessment were released in May 2020.

Measuring Financial Literacy


This paper presents the results of an OECD/INFE pilot survey on variations in financial knowledge, behaviour and attitude across countries on 4 continents. It also explores differences in levels of financial literacy by socio-demographics within each of the countries.

The results highlight a lack of financial knowledge amongst a sizeable proportion of the population in each of the countries surveyed. Furthermore, there is considerable room for improvement in terms of financial behaviour. Attitudes are shown to vary widely. 




OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion 2022



 OECD/INFE Survey Instrument to Measure the Financial Literacy of MSMEs

 OECD/INFE International Survey of Adult Financial Literacy Competencies

 OECD PISA financial literacy assessment of students

 Measuring Financial Literacy - Pilot results from 14 countries (2013)

 Measuring Financial Literacy: Questionnaire and guidance notes

 Optional survey questions for the OECD/INFE financial literacy core questions

 Framework for the development of financial literacy baselilne surveys




OECD/INFE Secretariat





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