The Full Story
Why this matters
According to the 2022 results from OECD’s financial-literacy assessment, on average 18% of 15-year-olds across 14 OECD countries lack basic proficiency in financial literacy - meaning they cannot reliably perform even simple real-world financial tasks.
Most 15-year olds are already using financial services: across those OECD countries, around 60% have a bank or payment card, and more than 85% made online purchases in the last 12 months.
Yet - despite being active users - many young people still lack the financial understanding needed to navigate modern money, digital payments, budgeting, risk, etc.
In the United States, adult financial literacy remains deeply insufficient: data from 2024 show that financial–literacy scores have hovered around 50% for years.
Public demand for financial education is strong. A nationwide 2025 poll from National Endowment for Financial Education (NEFE) found that 83% of U.S. adults believe their state should require a personal finance course for high school graduation - and 82% of those who attended high school say they wish they had been required to take such a course.
However, access remains limited: the same NEFE poll indicates that 61% of respondents said their high school did not offer a personal finance class.
In a recent European-wide review, not all school systems provide consistent or mandatory financial education. While some governments and programmes are starting to recognize the need, inclusion remains patchy - often depending on national or regional policy, school priorities or availability of trained teachers.
Mission
At FinKidIQ, our mission is simple:
to empower every child with the financial skills they need to thrive in the real world.
Across Europe and the United States, schools work tirelessly to prepare students for the future - but financial literacy is still one of the biggest missing pieces in modern education. Many children leave school without understanding how money works, how to budget, save, invest, or build lifelong financial habits.
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As a result, families and educators are left to fill this gap on their own. We believe that financial education should be accessible, engaging, and age-appropriate - not overwhelming or complicated.
That’s why FinKidIQ brings financial learning to life through interactive lessons, storytelling, playful challenges, and real-world examples children can understand. With the help of our friendly guides Nel and Pola, kids learn the skills that schools often don’t have the time or resources to fully teach.
Vision
For Parents
We help families introduce healthy money habits early - so children grow up confident, responsible, and ready to make smart financial choices.
For Schools & Educators
FinKidIQ supports teachers with an engaging, curriculum-friendly tool that strengthens financial literacy in classrooms across Europe and the US. Our content aligns with modern education goals and complements existing programs without adding extra workload.
Our Promise
We are committed to building a new generation of financially wise, empowered young thinkers - one lesson at a time.
Because when kids understand money, they gain more than knowledge - they gain the power to shape their future.
