Mexican National Strategy on Financial Education

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1 Mexican National Strategy on Financial Education Germán Saldívar Osorio Deputy General Director of Savings and Financial Regulation Ministry of Finance, Mexico December 2009

2 Mexico Colombia China Brazil Chile Rep. of Korea United States Spain Canada Financial Inclusion Process Since the last 5 years, Mexico has been involved in a financial inclusion process. According to a World Bank publication in 2004 (Finance for All?*), only 25% of the population in Mexico had access to financial services. However, this level has increased in recent years Financial Services Users % 25% Users Non-users Source: Finance for All? Policies and Pitfalls in expanding Access. World Bank.. 2

3 Financial Inclusion Process According to a survey conducted in 2009 for the Ministry of Finance, 59.9% of the population use at least one financial service. By comparing the results of this survey with the World Bank publication, the level increased from 25% to 48%. Savings accounts Checking accounts Debit card or payroll 6% 25% 36% Users of traditional deposits services: 48% Personal or payroll credit 11% Credit Card Mortgage loan 9% 17% Users of traditional loans services: 27% Car credit Time deposits or mutual funds 4% 3% Users 59.9% Contracted by the user Contracted by an agent 4% 9% Insurance users 12% Non-users 40.1% E-banking services 3% Pension funds 26% Source: 2009 Access to Financial Services Survey. Ministry of Finance, Mexico. * Users that have a service and/or financial product at a financial institution. 3

4 Financial Inclusion Process Although financial inclusion levels have increased significantly, there are challenges in this area in which the financial authorities must work: - Financial Inclusion Level + Advance Users 16.7% More than two categories products or services Users 59.9% Intermediate Users 17.1% Two categories products or services Basic Users 26.1% One category products or services Non-users 40.1% Promote more use of financial services. Source: 2009 Access to Financial Services Survey. Ministry of Finance, Mexico. 4

5 Financial Inclusion Process Eventhough it is important to enhance financial inclusion in Mexico as a public policy, we should keep the balance between this process and the following three pillars: Transparency Consumer Protection Financial Education 5

6 Challenges Actions implemented Transparency Low-cost standardized deposit products Disclosure Rules for Monthly Statements Total Annual Cost for credit cards and mortgages (CAT) Less is more 6

7 Further Actions Actions implemented Consumer Protection Financial contracting rules Sanctions Stronger Consumer Protection Agency Minimum consumer rights 7

8 Financial Education Strategy Financial authorities are designing a Financial Education Strategy centered around 5 guidelines: Definition of a framework to increase coverage reaching all population segments Coordination among financial supervisors, regulators, private sector and other institutions Communication strategy (complete media campaign for the main financial products) Strategic alliance with Interactive Economics Museum (MIDE) Introduce financial education material in the textbooks of the Mexican elementary schools 8

9 Financial Education Strategy Financial education is a public good. The strategy will include all segments of the population and all financial products, will be a coordinated effort with the private sector and will have a budget and risk as the basic financial concepts. Children First savings account Youth Savings account First credit card First job First car Adults First house Pension savings Investments Vacations Senior Mortgage loan Hobbies Vacations Pension savings Teenager Savings account First mobile 9

10 Financial Education Strategy (Communication Strategy) In 2008, the Ministry of Finance sponsored a media campaign communicating simple messages about credit cards. Key Messages: compare options, credit is not extra money, pay more than the minimum payment. 10

11 Financial Education Strategy (Communication Strategy) The next steps of the communication strategy are: 4 Credit Medium and long media campaign 3 Investment Budget and Risk 5 Insurance 2 Saving 6 Pension 1 Credit Card WEB 11

12 Life Cycle Responsibility Financial Education Strategy Partnership with Interactive Economics Museum to design a traveling exhibition to travel around the country. Exhibition Thematic Map Childhood Teenager The exhibition shows financial decision making by individuals through their lives (i.e. savings, credit and prevention). Credit Prevention Planning and Management The exhibition promote the Consumer Protection Agency. Savings Youth Modules specialize design for children and adults. Retirement people My Decisions CONDUSE F my support Adult 12

13 Financial Education Strategy In November 2009, the traveling exhibition was launched in the Interactive Economics Museum. The first place to exhibit is Leon, Guanajuato. 13

14 Financial Education Strategy 14

15 Challenges Next actions to support the process of financial inclusion in Mexico: Implement the medium and long-term Financial Education Policy Enhancing Transparency and Consumer Protection Regulation Restructure the Financial Consumer Protection Agency Promote the use of non-basic financial services 15

16 Mexican National Strategy on Financial Education Germán Saldívar Osorio Deputy General Director of Savings and Financial Regulation Ministry of Finance, Mexico December 2009

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