E&M
2026/2
è Professoressa Associata di Economia e Gestione delle Imprese dell’Università Cattaneo - LIUC (Varese). // is Associate Professor of Marketing and Director of the Graduate Program in Marketing at Cattaneo University - LIUC (Varese, Italy).
è professore di Economia Politica all’Università Bocconi con cattedra di Economia della Regolamentazione Finanziaria, nonché direttore del Dipartimento di Economia e presidente del Centro Baffi Carefin nella stessa Università. Laureato in Discipline Economiche e Sociali presso l’Università Bocconi, è stato Visiting Student presso la London School of Economics. Ha svolto attività di ricerca per l’ FMI, l’Inter-American Development Bank, l’ONU. Attualmente svolge attività di ricerca per la World Bank. è editorialista del Sole 24 Ore. La sua ricerca riguarda l’economia monetaria, l’economia della regolamentazione finanziaria, l’economia dei mercati finanziari illegali.
Expanding Supply, Limited Participation: A Demand-Side Perspective on Financial Education
In Italy, the supply of financial education initiatives has grown, but public participation is still low. This article examines the barriers that limit access to and involvement in such initiatives, adopting a demand-oriented perspective and an interdisciplinary approach grounded in marketing and political economy. Drawing on a review of the literature and the results of a recent field study conducted on the Italian population, we identify several emerging issues and propose guidelines for public and private interventions aimed at improving the effectiveness of financial education. Our findings underscore the need to shore up communication, expand program accessibility, consider the role of the family in decision-making processes, and promote collaboration and co-creation.
Keywords: financial literacy financial education barriers to participation financial education policies demand-oriented perspective
DOI: 10.57590/1120-5032-202602eng-7
Pages 42-65