Financial Literacy Education Edu-Regulating our Saving and Spending
This book explores the issue of consumer financial education, responding to increased interest in, and calls to improve peoples’ financial literacy skills and abilities to understand and manage their money. New conceptual frameworks introduced in the book
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Asta Zokait yte
Financial Literacy Education
Asta Zokaityte
Financial Literacy Education Edu-Regulating our Saving and Spending Habits
Asta Zokaityte University of Kent Canterbury UK
ISBN 978-3-319-55016-9 ISBN 978-3-319-55017-6 DOI 10.1007/978-3-319-55017-6
(eBook)
Library of Congress Control Number: 2017940619 © The Editor(s) (if applicable) and The Author(s) 2017 This work is subject to copyright. All rights are solely and exclusively licensed by the Publisher, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilms or in any other physical way, and transmission or information storage and retrieval, electronic adaptation, computer software, or by similar or dissimilar methodology now known or hereafter developed. The use of general descriptive names, registered names, trademarks, service marks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. The publisher, the authors and the editors are safe to assume that the advice and information in this book are believed to be true and accurate at the date of publication. Neither the publisher nor the authors or the editors give a warranty, express or implied, with respect to the material contained herein or for any errors or omissions that may have been made. The publisher remains neutral with regard to jurisdictional claims in published maps and institutional affiliations. Cover illustration: Chris Parsons/gettyimages Cover design: Henry Petrides Printed on acid-free paper This Palgrave Macmillan imprint is published by Springer Nature The registered company is Springer International Publishing AG The registered company address is: Gewerbestrasse 11, 6330 Cham, Switzerland
To Will
Preface
This project started 7 years ago as part of my Ph.D. thesis. The project’s initial aim was to explore the causes of the global financial crisis and its impact on and restructuring of the national and international financial architecture. I was particularly intrigued by popular discussions about the role that consumers played in the financial crash. Specifically, discussions and regulatory discourses about how consumers were seen increasingly as integral parts of the financial system and as significant for its “proper” function. As such, there was a growth in calls to regulate consumer behaviour in the financial services market. In the course of my research, I have discovered that such calls resulted in and often manifested themselves through the proliferation of consumer financial education programmes. Consumer education in prudent and measured risk-taking and risk management became one of the most popular regulatory responses in dealing with increased household vulnerability to and dependence on financial markets. However, that is not to suggest that other regulatory measures were not considered or indeed adop
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