Visa s Financial Literacy Programmes. A Global View

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1 Visa s Financial Literacy Programmes A Global View

2 Visa s Global Commitment to Financial Literacy It s right for our business and the right thing to do Visa s guiding principle is to provide economic empowerment to consumers who use our products and services. Visa stands with consumers as an ally in money management and economic growth. Visa recognizes that the payments industry has an important role to play in helping consumers avoid financial trouble. Visa has a decade long commitment to promoting financial literacy worldwide.

3 Financial Literacy - International Goals Empower positive economic growth for individuals, businesses and countries Provide free, relevant, accessible and innovative financial education to individuals and their communities Facilitate entrance into the banking system for the unbanked Reach 20 million people globally by May 1, 2013

4 Global Approach Visa runs a global financial literacy initiative that is localised for each country, allowing for customisation based on an area s level of economic development, cultural standards, educational needs, government priorities and target audiences Personal finance messages and mediums are tailored for each region Third party partners (governments, schools, banks, NGOs) are actively engaged to improve reach, awareness and impact of educational programmes

5 Programme Highlights: Global Financial Soccer Free, educational 2010 FIFA World Cup branded video game Sponsorship of FIFA provides opportunity to present Financial Football on a global scale and deliver an even larger success Launched in September 2009 at Clinton Global Initiative annual meeting Rolled out in over 30 countries leading up to the 2010 World Cup Translated and localised for each market Used over 1 million times

6 Programme Highlights: Brazil, Colombia and Mexico Finanzas Practicas Online financial literacy programme targeted at young adults Topics include managing credit, budgeting and responsible spending Localised content included for discussion topics Started in 2005, endorsed by more than 20 local partners, including financial institutions, NGOs, universities and news media Regional version of educational website for all Spanish-speaking countries in Latin America Educational theatre road show for school children launched in 2010

7 Programme Highlights: Canada Choices & Decisions Taking Charge of your Financial Life Flexible, school resource for budgeting, financial management, career planning, goal setting Includes classroom curriculum, presentations, lesson plans and student activities Online and hard copy formats Started in 1996, used in more than 5,000 schools Added new content including calculators, games and downloadable consumer resources in 2009

8 Programme Highlights: Canada continued Practical Money Skills Designed for consumers, students and teachers Financial basics for the real world, organized around life events such as going to college, buying a car, planning for retirement Offers localised, Canadian-specific information on budgeting, saving, investing, spending and financial decision-making Online and hard copy formats in English, French, Spanish, Arabic, Chinese and Punjabi Financial Soccer launched in May 2010

9 Programme Highlights: Russia MoneySkills Website, online tools used by diverse audience Topics cover debt management, budgeting, saving and more Programme fully backed by Visa Russia Association, a co-op of national member banks

10 Programme Highlights: South Africa Road show of financial education plays launched in 2005 Live performance builds on African tradition of storytelling and drives financial education in communities Entertaining, educational and engaging Questionnaire-based research in 2007 showed 93% audience retention of key messages Partnered with banks and government agencies to increase reach Road show reached over people Ticket Fund initiative with FIFA brought football-themed financial literacy messages to under-privileged South Africans as well as tickets to 2010 FIFA World Cup games in South Africa

11 Programme Highlights: Middle East Mymoneyskills.me Major revamp of dedicated Arabic and English financial literacy website Includes teaching and presentation guides for colleges Financial Football Customised game for United Arab Emirates, Jordan, Lebanon, Kuwait and Saudi Arabia Launched at GESS Educational Forum, reaching over 5,000 teachers from across the Gulf Teacher toolkit to incorporate into classroom curriculum Partnered with multiple banks and distributed at branches and schools

12 Programme highlights: SEE - Serbia Visa Young Leaders First Young Leaders youth conference in June 2009 Engage some of the best young Serbian talent to examine their beliefs, options, and standpoints around socio-economic, cultural, and ecological issues, and to promote financial literacy Topics discussed included the EU integration process and its perception, independence and financial literacy, and leaving or staying in Serbia Second conference in November Topics included: Young people and the media today, and how young people in Serbia perceive money Third event May topics included employment and finances, and saving and investing Fourth event September topics included youth and local community and youth financial literacy. All events supported by Ministry of Youth and Sport last event supported by National Bank of Serbia.

13 Programme Highlights: Asia Pacific My Money Skills Comprehensive financial literacy portal for consumers of all ages Standalone online resource developed and available in English, Korean, Thai, Japanese, Hindi, Bahasa Indonesia, Malay, Chinese (traditional and simplified) versions.

14 Programme Highlights: Asia Pacific Visa FIFA Financial Football competition Region wide competition across 35 countries and territories, targeted at students and consumers More than 19,800 goals scored; Close to 100,000 multiple choice questions answered correctly Top four players attended 2010 FIFA World Cup

15 Programme Highlights: Asia Pacific continued Visa Partnerships in the Region Hong Kong Future Leader Programme with The Wall Street Journal to provide seminars for university students Life Banking School Outreach Programme with Hong Kong Federation of Youth Groups Japan Nippon Association of Consumer Consultants offers three-week financial literacy project with Ministry of Education includes teacher training, textbook distribution and use of curriculum in 100 public middle and high schools New Zealand Community organization Netsafe provides education about safe ecommerce

16 Programme Highlights: Asia Pacific continued Visa Partnerships in the Region Philippines Partnered with the Junior Financial Executives Institute to sponsor Inter Collegiate Finance Competition for business students. Campus education seminars underway with universities in Manila, Cebu and Davao. Singapore Taiwan Visa works with universities to advocate inclusion of financial education in general studies curriculum. Australia Visa has alliance with the Australian Government s Financial Literacy Task Force. Visa joined the Association of Banks in Singapore and the Singapore Management University to launch Practical Money Skills for Life. More than 100 educators from more than 25 schools have been trained.

17 Programme Highlights: United States Practical Money Skills Award-winning, free resource targeted at educators, students, parents and individuals to teach basics of personal finance Website / online tools site gets over 1 million page views per month Hard copy format - over 1 million pieces of classroom / consumer materials mailed Started in 1995, used in thousands of U.S. classrooms Facebook fan page, Twitter and YouTube channel

18 Programme Highlights: United States continued What s My Score Free online tools aimed at unique needs of college students and young adults Resources include credit facts, free credit score tools, user created videos, online games and more Includes teaching guides for materials and presentation guides for college administrators and professors Facebook fan page Campus events

19 Programme Highlights: United States continued Financial Football Educational video game developed with the National Football League In fourth season; over 60 demonstration events with NFL players in classrooms around the country Extremely popular with teachers, students and elected officials Extensive, positive media coverage; tens of millions of impressions Played over 250,000 times Endorsed and officially distributed by 26 state governments

20 Programme Highlights: United States continued Additional Outreach Host annual Financial Literacy Summit with Federal Reserve Bank of Chicago Fifth summit held in April 2011 featured Obama Administration officials Launched largest employer-based financial literacy program with McDonald s, reaching 850,000 of the restaurant chain's U.S. workers Write weekly personal finance column carried in 500 newspapers and blog on Huffington Post Diverse partnerships and coalitions with policymakers, consumer advocates, schools and NGOs to promote financial literacy

21 Financial Education Works Wells Fargo Study College cardholders were given a brief online tutorial in basic financial literacy Participants did significantly better than a control group: Late fee instances down 42.6% Over-limit charges down 42.6% Revolving balances 26.5% lower Past due events 55.9% less likely Over 20% higher spend 2007 Visa and Wells Fargo research. 21

22 Visa s Future in Financial Literacy As the world s leading payment systems network, Visa has the expertise, local knowledge and the proven commitment to reach, educate, and empower our world with sound personal money management skills, building a strong foundation for global economic growth.

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