Edufin Research Papers

This page publishes the papers of the Committee drawn up starting in 2024.

 

/system/modules/it.sogei.edufin24/resources/images/files-icon/pdf-icon.png?__scale=undefined&description=?__scale=undefined&description=

Edufin Research Paper no. 3 "Financial Education and Public Certification: Founding Practice on Theory. The New Portal of Italian Edufin Committee"

Authors : Serena Marzucchi, Donato Masciandaro
Year : 2025
Abstract : The Italian Edufin Committee aims to strenghten its activity as public third-party certifier in the field of financial education, using its new portal as a communication device for such goal. The goal of this article is twofold. On the one side, the setting of the new portal is analysed. On the other side, the theoretical foundations of the function of the portal are uncovered, discussing the relationships between financial education as a credence good and the role of a public agency that implements its policy by means of ex ante certification of education activities, that in turn implies both effective communication and transparent accountability.
/system/modules/it.sogei.edufin24/resources/images/files-icon/pdf-icon.png?__scale=undefined&description=?__scale=undefined&description=

Edufin Research Paper no. 2 "From indebtedness to over-indebtedness: Individual characteristics and Financial Literacy”

Authors : Prof. A. Bonanomi, Prof. B. Bonfanti, Prof. P. Iannello, Prof. M. Lanz, Prof. E. Lozza, Prof. A. Sciarrone, Prof. G. Sesini
Year : 2024
Abstract : The phenomenon of over-indebtedness is assuming increasingly significant proportions with particularly negative repercussions both on the well-being of the over-indebted individual and, in a broader sense, on the stability of the economic and financial system of the society as a whole. The purpose of this project is to investigate the characteristics and the path that leads to a condition of (over)indebtedness by involving a representative sample of the Italian adult population and an oversample of over-indebted.
/system/modules/it.sogei.edufin24/resources/images/files-icon/pdf-icon.png?__scale=undefined&description=?__scale=undefined&description=

Edufin Research Paper no. 1 "The Financial Education Month: 2018-2023”

Authors : Olimpia Cucciniello, Donato Masciandaro, Fabio Travaglino, Maria Iride Vangelisti
Year : 2024
Abstract : The work analyses the initiatives carried out on the occasion of the Financial Education Month from 2018 to today: the data can be considered a good approximation of the entities active in Italy in financial education activities, the topics covered and the territorial diffusion. The paper proposes a classification of organisers that distinguishes public entities from private ones, and among these, those who are non-profit and for profit. The analysis focuses on the types of initiatives carried out in the different editions, on the recipients reached, on the characteristics of the proponents, the territorial distribution of the initiatives and a textual analysis of the most frequently discussed topics.