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Financial Education, quo vadis?
At the crossroad of individual empowerment
Tuesday, 22 May 2018
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Wilhelm Kraetschmer obtained a degree in law in 1981. He started his career in financial services in the Department of Law at the Österreichischer Sparkassenverband. From 1993 to 2006 he worked as the Deputy Secretary General of the Österreichischen Sparkassenverband, and he has been the General Manager of the Fachverband der Sparkassen of Chamber of Commerce in Austria since 1997. In 2006 he was appointed as the Head of Foundations and Financial Literacy of the Österreichischen Sparkassenverband. Mr Kraetschmer serves as the Chairman of the WSBI-ESBG Corporate Social Responsibility and Sustainable Development Committee since 2016. He is also a member of the Board of Trustees for International Cooperation of the German Savings Banks.
Chair of Corporate Social Responsibility – Sustainable Development Committee
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Elwin studied business administration for the financial sector in Amsterdam and graduated in 1994. He started his financial services career as a management trainee at Credit Lyonnais Bank in the Netherlands. Upon completion he became senior account manager for a commercial bank, i.e. Generale Bank. During the merger of Generale and Fortis, he was a staff member of the Board of Directors. Following the merger Elwin was employed as a branch manager for Fortis Bank in the retail banking division. He advanced to district manager in 2002 and in 2004 was promoted to regional director of the eastern part of the Netherlands. In 2006 during his tenure with Fortis Bank Elwin initiated the successful project Microfinance in the Netherlands. As a result of this success Elwin was retained for a year by the Ministry of Economic Affairs in The Hague to help set up the first national microfinance program in the Netherlands. In 2009 Elwin founded Qredits, the only nationally operating microfinance institution in the Netherlands offering microcredit loans, SME loans, Flexible credit, mentoring and an array of business development tools. Qredits also has offices in the Caribbean Netherlands, i.e. on Bonaire, Aruba, St. Maarten (servicing St. Eustatius & Saba) and Curacao. Currently Elwin is serving a three-year term as President of the Board of the European Microfinance Network.
European Microfinance Network
Wolfgang Neumann is the Director of the EU Representation of Deutscher Sparkassen- und Giroverband DSGV (German Savings Banks Association) in Brussels. Prior to working in the DSGV Brussels-based office, Mr Neumann focused on European policy issues, in particular market integration and the Economic and Monetary Union (EMU), within the DSGV Economic Policy Department. In addition to coordinating the cooperation with WSBI/ESBG, Mr Neumann is also the Chairman of the WSBI/ESBG Coordination Committee as well as a member of the CSR and Sustainable Development Committee.
EU Representation of Deutscher Sparkassen- und Giroverband DSGV (German Savings Banks Association) in Brussels
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Graduate in economics and management, Cédric Turini began his career in business consulting before joining the national federation of French savings banks to develop microfinance and financial inclusion activities. The French Savings Banks have set up two programmes to encourage banking inclusion. The first, named Finances & Pédagogie, which trains people in money management using group training courses and the second « Parcours Confiance », which is geared towards the individuals by offering concrete solutions of access to financial services. These programs are a strategic part of the CSR activities of the French savings banks.
National Federation of French Savings Banks
Chris De Noose
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Chris De Noose
Chris De Noose is the Managing Director of the World Savings and Retail Banking Institute and the European Savings and Retail Banking Group. In addition, he is a Member of the European Banking Industry Committee (EBIC), Member of the Board of the Hochschule der Sparkassen-Finanzgruppe, Member of the European Payments Council, Member of the Board of Child and Youth Finance International, former Member of the Banking Stakeholder Group of European Banking Authority and Secretary General of the Mediterranean Confederation. Furthermore, he is also a Member of the Kuratorium of the Foundation for International Co-operation of the German Savings Banks and he is Chairman of the Executive Committee of WSBI Advisory Services.
Santiago works as a Retail Banking Specialist at the Conduct, Payments and Consumers Unit at the European Banking Authority (EBA). At the EBA Santiago supports the EBA work on consumer protection, and leads the EBA work on Financial Education. Before, Santiago worked for two years at the Bank of Spain as a Specialist in Banking Transparency and Market Conduct. Prior to joining the Bank of Spain, Santiago spent much of his career at the Spanish securities regulator, the CNMV, where he worked at the international affairs department, and in the financial education unit at the investor protection department. While at the CNMV Santiago spent 2 years working on secondment at the Financial Innovation Unit at the European Securities and Markets Authority (ESMA). Prior to the CNMV, Santiago worked in retail banking at BBVA for 7 years. Santiago has a degree in economics.
European Banking Authority (EBA)
Retail Banking Specialist
Aleksandra Maczynska joined the Better Finance Brussels Team as Executive Director in 2017. Aleksandra is from Warsaw, Poland, where she was the Deputy Director of the International Relations and Communication Department of the Polish consumer and competition watchdog. Her responsibilities included external representation and managing professional networks such as the Consumer Policy Network (CPN), the International Consumer Protection and Enforcement Network (ICPEN) and the European Competition Network (ECN). She also has a vast experience in the management of international projects such as the EU funded capacity building projects. As a Fellow of the Robert Bosch Foundation Programme for the Young Executives from the Public Sector, Aleksandra worked at the Division for World Bank International Monetary Fund, Debt Issues and International Finance Structure at the German Federal Ministry for Economic Cooperation and Development. Aleksandra has provided expert input to various EU Council’s Working Parties such as the Working Party on Financial Services and the Working Party on Competitiveness and Growth; as well as the European Commission’s Advisory Committees. Currently she is a member of Financial Services User Group (FSUG) advising DG Fisma and the JUST in the preparation of legislation and policy initiatives which affect the users of financial services.
Eszter Salamon, the Executive Director of Parents International and Vice President of the European Lifelong Learning Platform. Originally trained and practiced as a teacher she later became an economist specialized in nonprofit management, especially in education and culture, nonprofit marketing and PR. She started dealing with rights of the child issues in 1989 and has specialized in students’ rights and parents’ rights in the past 22 years. She has been involved in European education and social topics including equity and inclusion, lifelong learning, 21st century skills, challenges of the digital age, prevention of early school leaving and youth unemployment, reconciling family life and work, and the importance of developing key competences. She has also served as President of the European Parents Association between 2013 and April 2018.
Carlos Trias Pinto
Carlos Trias Pinto
Carlos Trias Pinto has been a Member of the European Economic and Social Committee (EESC) since January 2009. He represents the Spanish Council on Consumers and specialises in consumer’s protection in the financial markets, corporate social responsibility, sustainable finance, financial education, social innovation in the industrial sector, social economy and local development. He has been a rapporteur of several opinions on the mentioned issues. Mr Trias Pinto has an Economics degree from the Universidad Autónoma de Madrid and a postgraduate degree in European Community from the Diplomatic School.
European Economic and Social Committee (EESC)
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General Director and founder of MIDE, the first museum of its kind in the world, a museum that ignites critical and creative thinking, a place where the economics, finance and sustainable development are used as lenses to discover how our world works. Concerned about cultural management, education, value and the role of museums, Silvia has guided her professional evolution through museological reflection, the search for the avant-garde and the languages of a hyperconnected society, constantly evolving. Within his management, she has been a member of the Board of Directors of the American Alliance of Museums (AAM), President of ICOM Mexico, member of the Consultative Council at an international level, the International Secretary of CECA / ICOM and has chaired the Mexican Association of Museums and Science and Technology Centers. Co-founder of the International Federation of Finance Museums (IFFM), today she is member of the ASTC Board of Directors and Chair of the IPC, International Programme Committee in charge of organizing the Science Center World Summit to be held for the first time in Mexico and Latin America in the year 2020 since the MIDE will host such a prestigious meeting.
MIDE, Interactive Museum of Economics in Mexico
Robin Edme is currently Senior Policy Officer Green and Sustainable Finance at DG FISMA of the European Commission, where he focuses on designing new investment and capital allocation frameworks through the development of responsible, green and long term finance, beneficial to low-carbon, resource efficient and fair economies. He is part of the Secretariat of the High-Level Expert Group on Sustainable Finance set up by the Commission in December 2016. Before joining the Commission, Robin Edme has been Senior Advisor Long Term & Responsible Finance to the Commissioner General for Sustainable Development of the French Ministry of Environment, Energy and the Sea for 5 years. He lead the development of the French public SRI label, as well as the of the Energy & Ecological Transition for Climate Label; he also lead, from the government side the organisation of the first edition of the International Award on Investor Climate-Related Disclosures, which was held in Paris in October 2016. He was the Chair (4 years) of the Group of Friends of Paragraph 47, a government led initiative promoting corporate sustainability reporting at international and regional levels, a member (6 years) of the Global Sustainability Standards Board of the GRI for 6 years and a Council member of the IIRC. He is one of the founders and former President of the Forum pour l’investissement responsable (French Social Investment Forum) and of Eurosif. Robin Edme is a well-know and internationally recognized influencer in the field of sustainable and green finance, as well in the field of extra-financial reporting. Born in 1956, Robin EDME graduated from ENA, HEC Business School and IEP Paris; he also holds a Masters Degree in Public Law and a Doctorate Degree in Industrial Policy.
DG FISMA, European Commission
Senior Policy Officer Green and Sustainable Finance
A member of the International Organization of Securities Commissions, the European Systemic Risk Board, the European Sales and Marketing Association, and the European Insurance and Occupational Pensions Authority, Mr. Servais is also chairman of the Investor Protection and Intermediaries Standing Committee established by ESMA. He is chairman of the Audit Committee of IOSCO-OICV and also a member of the New York Stock Exchange (NYSE) Euronext College of Regulators and the Euroclear College of Regulators. He serves as professor and deputy director of the special Masters in Tax Law at the Université libre de Bruxelles. A lecturer worldwide, he is author or co-author of more than 280 contributions for various colloquia and study days, both at a national and international level, as well as articles and publications. He holds master's degrees in law and in economics in business management.
Financial Services and Markets Authority (FSMA) in Belgium
Danièle Vander Espt
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Danièle Vander Espt
In January 2012 Danièle Vander Espt joined the Belgian financial regulator, FSMA, where she was mandated with the task of developing the financial education programme for Belgium. The programme was launched in January 2013 with the brand name Wikifin.be. Previously, Danièle Vander Espt was Marketing & Communications Director at B-Post (Belgian Post Group). Before joining the public sector, she developed her carrier in the private financial & insurance industry. She held various functions in the field of commercial, support and strategic services for international groups such as Winterthur Insurance and KBC Bank. She holds a master degree in Economy from the Catholic University of Louvain (KULeuven) and extra postgraduate degrees in Marketing & Advertising (Solvay Business School) and Finance (KULeuven). She was recently promoted Fellow of the Business Faculty of the KULeuven, a distinction granted to her for her effective contribution to public policy, based on scientific principles of Economy and Applied Economy.
Financial Services and Markets Authority (FSMA) in Belgium
Director in charge of Financial Education
Kristof De Witte
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Kristof De Witte
Kristof De Witte is a tenured associate professor at the Faculty of Economics and Business at KU Leuven, Belgium, and he holds the chair in ‘Effectiveness and Efficiency of Educational Innovations’ at Top Institute for Evidence Based Education Research (TIER) at Maastricht University, the Netherlands. Kristof De Witte is further an affiliated member of the CESifo Network (Ludwig-Maximilians-University and Ifo Institute), and of the Finish VATT Institute for Economic Research. At KU Leuven he coordinates the higher secondary teacher training program in economics, and the research group ‘Leuven Economics of Education Research’. The research interests of Kristof De Witte comprise education economics, financial literacy education, performance evaluation and political economy. He published his work in many leading academic journals including ‘The Economic Journal’, ‘Journal of Urban Economics’, ‘European Journal of Operational Research’, ‘Economics of Education Research’, ‘European Journal of Political Economy’ and ‘Scientometrics’. He currently runs a research program to examine the effectiveness of financial literacy education. About 8000 pupils are randomly assigned to different financial literacy tools. In addition, he holds the ‘Wikifin Research Chair on Financial Literacy’, which focusses on the financial literacy and financial behavior of financially vulnerable groups.
Associate Professor; Wikifin Research Chair on Financial Literacy
Caroline Jenner started her career as an entrepreneur. Her interest in entrepreneurship education began in Slovakia in the early 90’s when she helped set up Junior Achievement (JA) there. She became CEO of JA Slovakia in 1993 and subsequently moved into a regional role for JA Central and Eastern Europe. Her work has involved multi-level collaboration with educators, business people and policy makers across Europe. Reducing youth unemployment is at the heart of JA’s mission to create more entrepreneurs and job creators, build work readiness skills and improve financial literacy. She became CEO of JA Europe in 2003. In addition to managing JA’s large network, JA Europe leads EE-HUB.EU and coordinates the Entrepreneurial Skills PassTM. Based in Brussels, Caroline contributes to policy work; she is a frequent speaker, moderator and panelist. Caroline has Canadian and Belgian citizenship.
JA Europe; JA Worldwide
CEO; Global Head of Regional Growth and Development
In October 2015 Philip List was appointed as a director of the Erste Financial Life Park (FliP). FliPs main objective is to promote the responsible handling of money, as well as knowledge about financial & economical coherencies. FliP will become the Financial Education Brand in the region Erste Group is active in. An expansion of Flip is currently planned for the Czech Republic and Romania. Philip has gained a lot of experience in the past few years in diverse management positions within Erste Group. From 2009 to October 2015he was Head of Group Marketing.
Erste Financial Life Park (FliP)
Adele Atkinson is a senior policy analyst within the OECD Financial Education and Consumer Protection Unit and lead expert on the OECD International Network on Financial Education (INFE) project on Financial Education in the Commonwealth of Independent States. She has almost 20 years’ experience of undertaking policy research relating to education, personal finance and social policy. Her work currently focuses on the implementation of financial education policy recommendations, assessing levels of financial literacy of youth and adults and the role of financial education in increasing financial inclusion and supporting migrants, small business owners and other vulnerable groups. Adele has a PhD from the School of Geographical Sciences at the University of Bristol, UK. Prior to joining the OECD in 2010 she was a research fellow at the Personal Finance Research Centre, University of Bristol.
Senior Policy Analyst within Financial Education and Consumer Protection Unit