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为员工提供金融教育是良好的商业实践

无论是在小学阶段学习如何区分需求与欲望,还是在高中阶段掌握投资、信贷和学生贷款等复杂主题,早期的金融教育都至关重要。

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无论是在小学阶段学习如何区分需求与欲望,还是在高中阶段掌握投资、信贷和学生贷款等复杂主题,早期的金融教育都至关重要。目前,美国已有26个州将金融教育列为高中必修课程,这一数字在过去十年中增长了一倍多。

大多数重大的财务决策都是在高中毕业之后做出的,而只有48%的成年人具备必要的财务知识。与必须通过路考才能获得驾照不同,办理信用卡、投资股票甚至购买房产都无需通过任何考试;如果不经过深思熟虑和充分理解就做出这些决定,可能会带来严重的财务后果。

那么,解决方案是什么呢?答案可能会让你感到意外——需要私营部门加大参与力度。公司在协助制定高质量的金融教育项目方面具有得天独厚的优势,这些项目不仅能够帮助员工、客户和社区,还能为业务带来积极影响。不过,不要只听我们的一面之词:就在我们撰写本文的时候,美国财政部发布了首份《普惠金融国家战略》,其中包括金融机构和雇主如何为促进金融准入、韧性和健康做出贡献的建议。

被忽视的机会

对于企业而言,为员工提供金融教育资源不仅是一项正确的举措,而且能够支持员工做出更明智的财务决策,进而使员工更加健康、快乐和高效。对于金融机构而言,这不仅能提升金融包容性,还能培养出更忠诚、参与度更高的客户群体。

这是因为缺乏金融知识会对家庭产生切实的日常影响。2023年,因金融知识匮乏,美国人支付了更高的信用卡利息和费用、超支以及更易遭受欺诈,平均损失高达1506美元。这还不包括金融知识匮乏对健康造成的影响及其对生产力的级联效应。

美国心理学会最近的一项“美国压力”调查研究证实了许多人已经知晓并亲身经历的事实:金钱和经济问题是主要的压力来源,自2019年以来,财务压力显著上升。

由于普通美国人的现金储蓄只有400美元,而且过着月光族的生活,因此不难看出财务问题是如何造成巨大压力的。承受过大压力的员工可能会导致工作效率下降,通常表现为工作质量降低、工作积极性降低和决策失误。

受过财务教育的消费者往往会成为更优质的客户,他们具备更强的财务能力、更多的可支配收入和更高的信用评分。对金融机构而言,精通财务知识的客户不仅倾向于使用银行或信用合作社提供的更多产品,而且更可能一开始就在这些机构开设账户。

尽管他们想要了解更多关于财务方面的知识,但大多数成年人往往缺乏明确的途径来获取财务方面的建议。相反,他们会向朋友、家人寻求信息,或是依赖互联网和社会媒体。出生于2010年至2010年之间的Z世代尤其希望雇主能够填补这一空白。根据“职场世代”(Generations in the Workplace)的研究,70%的Z世代认为,雇主通过倡议、项目、政策和文化支持员工的财务健康是重要或非常重要的。

好消息是什么?随着教育技术的兴起,金融机构和各类雇主现在比以往任何时候都更易于为员工、客户和社区提供优质的金融教育资源。蒙特利尔银行的近期实践就是一个值得借鉴的范例。

精通财务知识的客户参与度更高

蒙特利尔银行是北美第八大银行,正致力于利用教育技术平台打造一个创新的金融健康教育项目,该项目将免费向其网站的任何访客开放。该银行希望提供便捷的数字优先体验,从而提高用户的参与度,并带来参与者行为上显著的积极变化。

蒙特利尔银行利用技术和全国性的资源网络,为其客户、员工和任何有兴趣学习个人理财的人打造了免费的数字教育平台SmartProgress(CA)和SmartProgress(US)。该教育平台在北美地区拥有超过28万名用户,其教育内容是根据学习者的具体目标量身定制的,引导他们访问包括银行业务、房屋所有权、投资、小企业和退休规划等基础知识的不同资源。平台以互动练习和现实生活场景为特色,使学习者能够有效地管理自己的财务,做出明智的决策,并成为未来财务规划的能手。

通过提供无门槛、用户友好的金融知识普及平台,蒙特利尔银行不仅大幅提升了客户参与度,还强化了其致力于支持员工和社区长期财务健康的企业承诺。

行善对企业有益

成年人金融知识匮乏是一个隐蔽的问题,它会侵蚀美国家庭和企业的财富、生产力乃至健康。

然而,企业实际上拥有一个真正的、经常被忽视的机会,通过逐步填补成人高质量教育的空白,它们可以培养参与度更高的客户、更高效的员工和更繁荣的社区,从而助力自己的业务发展。与技术平台合作的途径多种多样,而如今这样做比以往任何时候都更便捷。

投资成人金融教育是一个令人信服的“双赢”解决方案,能为公司带来真正的竞争优势。这还是一个绝佳例证,表明行善对企业有益。(财富中文网)

本评论由《财富》影响力倡议的合作伙伴Everfi提供。埃伦·帕特森(Ellen Patterson)担任总裁兼总经理,雷·马丁内斯(Ray Martinez)担任总裁兼联合创始人。

译者:中慧言-王芳

无论是在小学阶段学习如何区分需求与欲望,还是在高中阶段掌握投资、信贷和学生贷款等复杂主题,早期的金融教育都至关重要。目前,美国已有26个州将金融教育列为高中必修课程,这一数字在过去十年中增长了一倍多。

大多数重大的财务决策都是在高中毕业之后做出的,而只有48%的成年人具备必要的财务知识。与必须通过路考才能获得驾照不同,办理信用卡、投资股票甚至购买房产都无需通过任何考试;如果不经过深思熟虑和充分理解就做出这些决定,可能会带来严重的财务后果。

那么,解决方案是什么呢?答案可能会让你感到意外——需要私营部门加大参与力度。公司在协助制定高质量的金融教育项目方面具有得天独厚的优势,这些项目不仅能够帮助员工、客户和社区,还能为业务带来积极影响。不过,不要只听我们的一面之词:就在我们撰写本文的时候,美国财政部发布了首份《普惠金融国家战略》,其中包括金融机构和雇主如何为促进金融准入、韧性和健康做出贡献的建议。

被忽视的机会

对于企业而言,为员工提供金融教育资源不仅是一项正确的举措,而且能够支持员工做出更明智的财务决策,进而使员工更加健康、快乐和高效。对于金融机构而言,这不仅能提升金融包容性,还能培养出更忠诚、参与度更高的客户群体。

这是因为缺乏金融知识会对家庭产生切实的日常影响。2023年,因金融知识匮乏,美国人支付了更高的信用卡利息和费用、超支以及更易遭受欺诈,平均损失高达1506美元。这还不包括金融知识匮乏对健康造成的影响及其对生产力的级联效应。

美国心理学会最近的一项“美国压力”调查研究证实了许多人已经知晓并亲身经历的事实:金钱和经济问题是主要的压力来源,自2019年以来,财务压力显著上升。

由于普通美国人的现金储蓄只有400美元,而且过着月光族的生活,因此不难看出财务问题是如何造成巨大压力的。承受过大压力的员工可能会导致工作效率下降,通常表现为工作质量降低、工作积极性降低和决策失误。

受过财务教育的消费者往往会成为更优质的客户,他们具备更强的财务能力、更多的可支配收入和更高的信用评分。对金融机构而言,精通财务知识的客户不仅倾向于使用银行或信用合作社提供的更多产品,而且更可能一开始就在这些机构开设账户。

尽管他们想要了解更多关于财务方面的知识,但大多数成年人往往缺乏明确的途径来获取财务方面的建议。相反,他们会向朋友、家人寻求信息,或是依赖互联网和社会媒体。出生于2010年至2010年之间的Z世代尤其希望雇主能够填补这一空白。根据“职场世代”(Generations in the Workplace)的研究,70%的Z世代认为,雇主通过倡议、项目、政策和文化支持员工的财务健康是重要或非常重要的。

好消息是什么?随着教育技术的兴起,金融机构和各类雇主现在比以往任何时候都更易于为员工、客户和社区提供优质的金融教育资源。蒙特利尔银行的近期实践就是一个值得借鉴的范例。

精通财务知识的客户参与度更高

蒙特利尔银行是北美第八大银行,正致力于利用教育技术平台打造一个创新的金融健康教育项目,该项目将免费向其网站的任何访客开放。该银行希望提供便捷的数字优先体验,从而提高用户的参与度,并带来参与者行为上显著的积极变化。

蒙特利尔银行利用技术和全国性的资源网络,为其客户、员工和任何有兴趣学习个人理财的人打造了免费的数字教育平台SmartProgress(CA)和SmartProgress(US)。该教育平台在北美地区拥有超过28万名用户,其教育内容是根据学习者的具体目标量身定制的,引导他们访问包括银行业务、房屋所有权、投资、小企业和退休规划等基础知识的不同资源。平台以互动练习和现实生活场景为特色,使学习者能够有效地管理自己的财务,做出明智的决策,并成为未来财务规划的能手。

通过提供无门槛、用户友好的金融知识普及平台,蒙特利尔银行不仅大幅提升了客户参与度,还强化了其致力于支持员工和社区长期财务健康的企业承诺。

行善对企业有益

成年人金融知识匮乏是一个隐蔽的问题,它会侵蚀美国家庭和企业的财富、生产力乃至健康。

然而,企业实际上拥有一个真正的、经常被忽视的机会,通过逐步填补成人高质量教育的空白,它们可以培养参与度更高的客户、更高效的员工和更繁荣的社区,从而助力自己的业务发展。与技术平台合作的途径多种多样,而如今这样做比以往任何时候都更便捷。

投资成人金融教育是一个令人信服的“双赢”解决方案,能为公司带来真正的竞争优势。这还是一个绝佳例证,表明行善对企业有益。(财富中文网)

本评论由《财富》影响力倡议的合作伙伴Everfi提供。埃伦·帕特森(Ellen Patterson)担任总裁兼总经理,雷·马丁内斯(Ray Martinez)担任总裁兼联合创始人。

译者:中慧言-王芳

Whether it’s learning about needs vs. wants in elementary school, or mastering more complex topics like investing, credit, and student loans in high school, early financial education is critical. Today, 26 states mandate financial education as a high school graduation requirement, and that number has more than doubled in the last decade.

However, the majority of significant financial decisions happen after high school, and only 48% of adults arefinancially literate. Unlike the requirement to pass a road test to earn a driver’s license, there is no test for opening a credit card, investing in stocks, or even buying a house; actions that can have serious financial consequences if not entered into with forethought and understanding.

So, what’s the solution? It might surprise you, but the answer is there needs to be more engagement from the private sector. Companies are uniquely positioned to help produce high quality financial education programs that can be a net positive for their business while helping their employees, customers, and communities. Don’t just take our word for it though: As we were writing this article, the U.S. Treasury Department released its inaugural National Strategy for Financial Inclusion which includes recommendations for how financial institutions and employers can contribute to fostering financial access, resilience, and well-being.

An Overlooked Opportunity

For businesses, helping their employees by providing financial education resources is more than just the right thing to do. It can also support informed financial decision making, leading to healthier, happier, and more productive workers. For financial institutions it can lend itself to greater financial inclusion and create better, more engaged customers

That’s because deficits in financial knowledge have a real, everyday impact on families. Americans lost an average of $1,506 in 2023 due to financial illiteracy, paying higher credit card interest and fees, overspending more, and falling victim to fraud at a higher rate. That doesn’t even take into account the health impact of financial illiteracy, and its cascading effect on productivity.

Recent research gathered from the American Psychological Association’s Stress in America survey has confirmed what many already know and experience: Money and the economy are a top source of stress, and financial stress has increased significantly since 2019.

With the average American having only $400 in cash savings and living paycheck to paycheck, it’s easy to see how financial matters can cause significant stress. And stressed employees are associated with decreased productivity in the form of lower quality work, reduced motivation, and poor decision making.

Financially educated consumers are better customers as well, with higher financial capability, more disposable income, and higher credit scores. For financial institutions, customers who are more financially savvy not only use more products from their bank or credit union but are more likely to open an account at a bank or credit union to begin with.

But even if they want to learn more about finances, most adults don’t have a definitive resource to turn to for financial advice. Instead, they seek information from friends, family, or rely on the internet or social media. Gen Z, the cohort born between 1997 and 2010, specifically is looking to their employer to fill this void. According to the “Generations in the Workplace” study, 70% of Gen Zers believe it is important or very important that places of employment support employees’ financial well-being through initiatives, programs, policies, and culture.

The good news? With the rise of education technology, it’s easier than ever for financial institutions along with employers of all types to provide high-quality financial education resources optimized for employees, customers, and community. BMO’s recent experience can help serve as a model.

Financially Savvy Customers are More Engaged Customers

BMO, the eighth-largest bank in North America, was interested in using an educational technology platform to build an innovative financial wellness education program that would be available free of cost to any visitor to its website. It wanted to deliver highly accessible, digital-first experiences that could increase engagement and drive measurable, positive change in participant behavior.

Using technology and a national network of resources, BMO created SmartProgress(CA) and SmartProgress(US), free digital education platforms for its customers, employees, and anyone else interested in learning about personal finance. With more than 280,000 users across North America, the educational content is tailored to learners’ specific goals, directing them to different resources such as the basics of banking, homeownership, investing, small business, and retirement planning. It features interactive exercises and real-life scenarios so learners can effectively manage their finances, make sound decisions, and become better stewards of their financial future.

By offering a free, easy to use financial literacy platform, BMO has greatly enhanced customer engagement while reinforcing its commitment to helping its employees and the community achieve long-term financial well-being.

Doing Good is Good for Business

Adult financial illiteracy is an insidious problem that saps money, productivity, and even health from American families and US businesses.

Yet, by stepping up to fill the void of high-quality adult education, companies have a real and often overlooked opportunity to help their businesses by creating more engaged customers, more productive employees, and more thriving communities. With many different avenues to partner with technology platforms, doing so is easier than ever.

Investing in adult financial education is a compelling “win-win” solution that provides companies with a real competitive edge. It’s another great example of how doing good is good for business.

This commentary is from Everfi, a partner of Fortune Impact Initiative. Ellen Patterson is president and general manager, and Ray Martinez is president and co-founder.

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