Rome, November 4 (askanews) – In a market where payments, credit, and investments are now handled via smartphone, financial education is becoming the primary barrier to saving. This is the theme of the conference "Financial Education, Savings Protection, and Fintech Innovation," promoted by Pilat & Partners in the Refectory Hall of the Chamber of Deputies and opened with greetings from Members of Parliament Massimiliano Panizzut, Letizia Giorgianni, and Marcello Coppo.
According to the latest IACOFI survey by the Bank of Italy, the financial literacy of Italian adults stood at 10,7 on a scale of 0 to 20, compared to 10,2 in 2020. Alberto Camuncoli, CEO of Investire con Successo, has set the goal: Financial education does not serve to transform Italians into traders, economists or to convince them to invest at all costs.
It helps empower them to make informed decisions. His proposal is a Future Account for every newborn: €1.000 for each of the approximately 355.000 births per year would cost, according to his estimates, approximately €355 million. Stefano Lokar Pignatari, founder of Plutonis, recalled the liquidity of families and businesses sitting in accounts and deposits, close to €2.000 billion: Inflation is a silent monster that erodes our savings independently of our will.
For those just starting to invest, time is crucial: If you want it easy, start yesterday. According to Andrea Martoni, president of M Finance, the dematerialization of money weakens the perception of spending, and for this reason, the topic of money should be introduced in elementary school, starting from the basics. Buy Now Pay Later reached €9,9 billion in transactions in Italy in 2025, a 45% growth, according to the Innovative Payments Observatory of the Milan Polytechnic. The provisions of the CCD2 directive, implemented with Legislative Decree 212/2025, will apply from November 20, 2026. Alberto Fontana of Pay-Oh clarified: It shouldn't be the retailer's responsibility to evaluate their interlocutor. The tools of the various providers must be able to make this type of assessment. Simone Tortolini, director of Soluzione Meno Debiti, linked over-indebtedness, which he says affects 7 million private individuals, to the lack of training: If there were financial education, probably starting in schools, we wouldn't get to this point. He calls for minimum requirements and controls for those assisting debtors. Regarding pensions, Andrea Martelli, CEO and founder of MiaPensione, explained: "About 80% of the requests we receive are from people who want to exit the workforce early." Magdy Hassan Fayed, CEO of Forex Gump Srl, called for clear rules on trading training: "If someone tells you that AI can eliminate uncertainty, predict the market with certainty, and automatically find winning trades, we are already facing a huge alarm bell." Alessio Battagliero, CEO of Quantly, presented the backtest of the QuantiX platform, while Alessandro Del Saggio, CEO of Invest Hero and co-founder of Club Hero, illustrated the investor club, which, according to the company, has around 300 members. Also taking part in the discussion were Maurizio Pimpinella of APSP, Massimiliano Albanese of UCI, Benedetto Delle Site of UCID Giovani, Francesco Paolo Fabbri of AKTIS APS, and Mattia Sportelli of JE Italy. The shared approach: combining innovation with stable training for students, workers, and families, and monitoring its effects. As Camuncoli summarized: We measure. We intervene. And then we measure again.
Askanews