Gianni Nicolini is Associate Professor of Finance at the University of Rome "Tor Vergata" (Department of Management and Law). His main research interest is Consumer Finance, with a special interest on Financial Literacy and Financial Education. In 2016 he established, with other researchers, the Consumer Finance Research Center (CFRC) with the aim to develop high quality research on consumer issues.

• ForewordAcknowledgementsIntroductionPart I – Financial literacy: a theoretical framework and evidence from previous studies1 Financial literacy: definition and measurement1.1 Financial literacy: a definition 1.2 Financial literacy as a relative concept 1.3 How to measure financial literacy 1.4 Financial literacy measures from previous studies References2 Financial literacy and financial behavior2.1 The role of financial literacy in the financial decision making process 2.2 The new challenges of financial literacy between personal financial behaviors and social outcomes 2.3 Financial literacy and financial behaviors: some evidence from previous studies 2.4 Conclusions ReferencesPart II – Financial literacy in Europe3 Financial literacy in Europe: an overview3.1 Introduction 3.2 Financial literacy of young students: the PISA project 3.3 Financial literacy of adults: the OECD-INFE study 3.4 Conclusions References4 Financial literacy in the UK4.1 Introduction 4.2 Data 4.3 The characteristics of financial literacy in the UK 4.4 The determinants of financial literacy in the UK 4.5 Conclusions References5 Financial literacy in Germany5.1 Introduction 5.2 The characteristics of financial literacy in Germany 5.3 The determinants of financial literacy in Germany 5.4 Conclusions References6 Financial literacy in France6.1 Introduction 6.2 The characteristics of financial literacy in France 6.3 The determinants of financial literacy in France 6.4 Conclusions References7 Financial literacy in Italy7.1 Introduction 7.2 The characteristics of financial literacy in Italy 7.3 The determinants of financial literacy in Italy 7.4 Conclusions References8 Financial literacy in Spain8.1 Introduction 8.2 The characteristics of financial literacy in Spain 8.3 The determinants of financial literacy in Spain 8.4 Conclusions References9 Financial literacy in Sweden9.1 Introduction 9.2 The characteristics of financial literacy in Sweden 9.3 The determinants of financial literacy in Sweden 9.4 Conclusions ReferencesConclusionsAppendix: Financial literacy itemsIndex

Gianni Nicolini is Associate Professor of Finance at the University of Rome "Tor Vergata" (Department of Management and Law). His main research interest is Consumer Finance, with a special interest on Financial Literacy and Financial Education. In 2016 he established, with other researchers, the Consumer Finance Research Center (CFRC) with the aim to develop high quality research on consumer issues.

• ForewordAcknowledgementsIntroductionPart I – Financial literacy: a theoretical framework and evidence from previous studies1 Financial literacy: definition and measurement1.1 Financial literacy: a definition 1.2 Financial literacy as a relative concept 1.3 How to measure financial literacy 1.4 Financial literacy measures from previous studies References2 Financial literacy and financial behavior2.1 The role of financial literacy in the financial decision making process 2.2 The new challenges of financial literacy between personal financial behaviors and social outcomes 2.3 Financial literacy and financial behaviors: some evidence from previous studies 2.4 Conclusions ReferencesPart II – Financial literacy in Europe3 Financial literacy in Europe: an overview3.1 Introduction 3.2 Financial literacy of young students: the PISA project 3.3 Financial literacy of adults: the OECD-INFE study 3.4 Conclusions References4 Financial literacy in the UK4.1 Introduction 4.2 Data 4.3 The characteristics of financial literacy in the UK 4.4 The determinants of financial literacy in the UK 4.5 Conclusions References5 Financial literacy in Germany5.1 Introduction 5.2 The characteristics of financial literacy in Germany 5.3 The determinants of financial literacy in Germany 5.4 Conclusions References6 Financial literacy in France6.1 Introduction 6.2 The characteristics of financial literacy in France 6.3 The determinants of financial literacy in France 6.4 Conclusions References7 Financial literacy in Italy7.1 Introduction 7.2 The characteristics of financial literacy in Italy 7.3 The determinants of financial literacy in Italy 7.4 Conclusions References8 Financial literacy in Spain8.1 Introduction 8.2 The characteristics of financial literacy in Spain 8.3 The determinants of financial literacy in Spain 8.4 Conclusions References9 Financial literacy in Sweden9.1 Introduction 9.2 The characteristics of financial literacy in Sweden 9.3 The determinants of financial literacy in Sweden 9.4 Conclusions ReferencesConclusionsAppendix: Financial literacy itemsIndex

Gianni Nicolini is Associate Professor of Finance at the University of Rome "Tor Vergata" (Department of Management and Law). His main research interest is Consumer Finance, with a special interest on Financial Literacy and Financial Education. In 2016 he established, with other researchers, the Consumer Finance Research Center (CFRC) with the aim to develop high quality research on consumer issues.

• ForewordAcknowledgementsIntroductionPart I – Financial literacy: a theoretical framework and evidence from previous studies1 Financial literacy: definition and measurement1.1 Financial literacy: a definition 1.2 Financial literacy as a relative concept 1.3 How to measure financial literacy 1.4 Financial literacy measures from previous studies References2 Financial literacy and financial behavior2.1 The role of financial literacy in the financial decision making process 2.2 The new challenges of financial literacy between personal financial behaviors and social outcomes 2.3 Financial literacy and financial behaviors: some evidence from previous studies 2.4 Conclusions ReferencesPart II – Financial literacy in Europe3 Financial literacy in Europe: an overview3.1 Introduction 3.2 Financial literacy of young students: the PISA project 3.3 Financial literacy of adults: the OECD-INFE study 3.4 Conclusions References4 Financial literacy in the UK4.1 Introduction 4.2 Data 4.3 The characteristics of financial literacy in the UK 4.4 The determinants of financial literacy in the UK 4.5 Conclusions References5 Financial literacy in Germany5.1 Introduction 5.2 The characteristics of financial literacy in Germany 5.3 The determinants of financial literacy in Germany 5.4 Conclusions References6 Financial literacy in France6.1 Introduction 6.2 The characteristics of financial literacy in France 6.3 The determinants of financial literacy in France 6.4 Conclusions References7 Financial literacy in Italy7.1 Introduction 7.2 The characteristics of financial literacy in Italy 7.3 The determinants of financial literacy in Italy 7.4 Conclusions References8 Financial literacy in Spain8.1 Introduction 8.2 The characteristics of financial literacy in Spain 8.3 The determinants of financial literacy in Spain 8.4 Conclusions References9 Financial literacy in Sweden9.1 Introduction 9.2 The characteristics of financial literacy in Sweden 9.3 The determinants of financial literacy in Sweden 9.4 Conclusions ReferencesConclusionsAppendix: Financial literacy itemsIndex