Measuring financial literacy among adults

Assessing the levels of financial literacy in the population is a key component of a successful national strategy for financial literacy, 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.

Toolkits to measure financial literacy among adults

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

This document represents the 2022 update of the Toolkit for Measuring Financial Literacy and Financial Inclusion. The OECD/INFE questionnaire included in this toolkit is designed to collect relevant information about financial literacy, financial inclusion, financial resilience and financial well-being within a country, and to compare such levels across countries. The 2022 version of the questionnaire also includes questions to measure digital financial literacy, developed with the collaboration of the OECD/INFE Working Group on Digital Financial Literacy. These questions cover the three components of behaviour, attitudes and knowledge.

Download the 2022 Toolkit / Télécharger la version française

Date of publication: 28 March 2022

Previous versions of the Toolkit: 2018 | 2015

Global results

		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. Download the report Date of publication: 25 June 2020
		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. Download the report Date of publication: 8 July 2017
		OECD/INFE International Survey of Adult Financial Literacy Competencies 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. Download the results Date of publication: 12 October 2016
		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. Download the results Date of publication: 26 March 2012

Regional results

		OECD/INFE Report on Financial Literacy and Resilience in APEC Economies This report presents results on the level of financial literacy and financial resilience in seven APEC economies (Hong Kong, China; Indonesia; Korea; Malaysia; Peru; Russia and Thailand). Download the report Date of publication: 22 October 2021
		Financial Literacy of Adults in South East Europe This report provides Bulgaria, Croatia, Georgia, North, Macedonia, Moldova, Montenegro, and Romania - countries participating in the Technical Assistance Project for Financial Education in the Constituency Program of the Netherlands Ministry of Finance- an opportunity to see how their financial literacy levels compare to the other countries in the project. Download the report Date of publication: 6 May 2021
		Financial Literacy Levels in the Commonwealth of Independent States This report provides an overview of financial literacy - Armenia, Azerbaijan, Belarus, Kazakhstan, Kyrgyz Republic, Tajikistan, Uzbekistan and the Russian Federation. This is the second wave of financial literacy surveys conducted by the OECD in the CIS countries. It contains a comprehensive section on financial resilience defined by four clusters of financial behaviours and attitudes. Download the report Date of publication: 15 December 2021
		Levels of Financial Literacy in Eurasia This report provides an overview of financial literacy in Armenia, Azerbaijan, Belarus, Kazakhstan, the Kyrgyz Republic, Tajikistan and Uzbekistan. It provides these six countries with an opportunity to see how their financial literacy levels compare to the other countries participating in the Project on Financial Education in the Commonwealth of Independent States (CIS). Download the report Date of publication: 2018