{"id":36451,"date":"2019-07-10T00:00:00","date_gmt":"2019-07-09T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/aeb-informa\/we-must-ensure-that-no-one-is-left-behind-in-digitalization\/"},"modified":"2026-04-09T09:54:51","modified_gmt":"2026-04-09T07:54:51","slug":"we-must-ensure-that-no-one-is-left-behind-in-digitalization","status":"publish","type":"blog-aeb","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/we-must-ensure-that-no-one-is-left-behind-in-digitalization\/","title":{"rendered":"“We must ensure that no one is left behind in digitalization”"},"content":{"rendered":"

Jos\u00e9 Mar\u00eda Rold\u00e1n, President of the Spanish Banking Association (AEB), calls for no one to be left behind in the digitalization process and the opportunities it opens up regarding financial education. Just hours before the opening of the third edition of the EduFin Summit, to be held at Ciudad BBVA in Madrid on July 11 and 12, the AEB President defends the work of banks on matters relating to user confidentiality, “it is something that is in our DNA and it is not so clear that it is in the numerous technology operators, whose main source of income is the commercialization of data,” he notes. <\/strong><\/p>\n

<\/strong>What is the role of banks in financial education?<\/strong><\/p>\n

Financial education has three basic pillars: the family, where all education begins, including that related to money and good saving and spending habits. The second pillar is public administrations, particularly educational authorities, without whose leadership it is very difficult to extend this type of knowledge to the entire population, and the third protagonist is the financial sector. Banks are very interested in engaging with well-trained and informed clients who can understand the fundamentals of financial products and services. This avoids misunderstandings, problems, and litigation, and greatly facilitates the relationship, creating long-term bonds of trust. <\/p>\n

Our institutions have understood this, which is why they are committed to promoting financial education activities, which reached almost one and a half million beneficiaries last year. They are also making progress by including educational processes in their banking applications and making their products increasingly simple and understandable. In this way, they seek to address the notable deficiencies in financial education of a population where one in four people has expenses above their income. However, joint action by all stakeholders is necessary: Government, local and regional administrations, regulators, supervisors and, of course, the financial sector, without forgetting the responsibility that each of us has to educate ourselves as responsible consumers. <\/p>\n

2.- What is the role of digital transformation in helping people make better financial decisions?<\/strong><\/p>\n

We believe that technology can be very useful in building a good relationship, a relationship of trust between banks and their clients. Technology applied to financial services makes them faster, more accessible, simpler, more transparent and also\u2014it must be said\u2014cheaper. Services on your mobile phone, in your hand, 24 hours a day. Something unthinkable a few years ago. However, it is necessary to understand some vulnerabilities that can be generated in the use of digital channels, in the financial sector and in any other sector. On the one hand, the immediacy of operations can give way to transactions that are too quick and not very well thought out; on the other hand, there is the issue of confidentiality. This concerns us relatively little, because we understand that one of the strengths of banking has traditionally been its ability to maintain the privacy and confidentiality of client data and operations. It is something that is in our DNA and it is not so clear that it is in the numerous technology operators, whose main source of income is the commercialization of data. <\/p>\n

3.- What role does financial education play in this environment of financial digitalization? How does it influence decision-making? <\/strong><\/p>\n

Financial education is essential to mitigate the risks I mentioned earlier, arising from the immediacy and accessibility of operations (one can operate anywhere and at any time of day) and also from security and confidentiality in the use of personal information. Financial education will play an essential role in the responsible use of digital channels, but before or at the same time we must ensure that no one is left behind in the digitalization process and the opportunities it opens. <\/p>\n

This risk occurs especially among older people and even more so in rural areas.<\/p>\n

For this reason, the AEB has launched Expertclick<\/strong><\/a>, a training program in the use of new technologies aimed at older people living in rural areas throughout Spain, of which we have just launched the second edition.<\/p>\n

4.- Should financial education be a subject in schools?<\/strong><\/p>\n

In many European countries, financial education is included in the school curriculum in one form or another. In Spain, its inclusion is also contemplated as an optional subject and from the fourth year of ESO as such or in a cross-cutting manner integrated into other subjects. I am not an expert in education and cannot say what the best way to do it is, although our experience with our ‘Your Finances, Your Future’ program indicates that the extracurricular format yields good results. <\/p>\n

5.- The AEB, through its financial education program ‘Your Finances, Your Future,’ has spent five years with the objective of training students in economic and financial knowledge. What is your assessment of this program? <\/strong><\/p>\n

When we launched this program five years ago, AEB banks had already been working for some time to raise the level of financial literacy in society, which, unfortunately, is not very high. What ‘Your Finances, Your Future’ has done is give visibility to that joint effort by the institutions and train almost 36,000 young people to manage their money responsibly and be able to make good financial decisions in the future. We are very grateful to those 2,600 banking employees from 18 banks who volunteer to go to schools throughout Spain to help students aged 13 to 15 do this. Without them, this program would not be possible. The best part is that 95% of students and 99% of volunteers want to repeat the experience, and this shows us that the program is meeting its objectives and encourages us to maintain it for many more years. <\/p>\n

6.-Regarding the EduFin Summit, you will participate in a roundtable focused on trust. What do you believe is the importance and impact of this type of event? <\/strong><\/p>\n

They have enormous importance insofar as they help us focus the debate on how to address financial education in Spain, which is a truly complex issue. It is a problem that affects all age groups in society and involves very different stakeholders, public administrations, of course, but also numerous sectors of civil life, including the banking sector, which has a particular interest in it, as I mentioned earlier. <\/p>\n

7.- The EduFin Summit will discuss building user trust in financial services through technology to make better decisions <\/strong><\/p>\n

Can you give us a preview of what you will discuss?<\/strong><\/p>\n

There are three ideas I want to highlight in my presentation at the EduFin Summit. The first is that it is necessary to identify financial education as a priority area of action for stakeholders interested in it and, of course, for the financial industry. For our sector, it is the most relevant means of achieving smooth and trusting relationships with our clients. Financial education helps the client maintain a dialogue on equal terms with their bank, which, in turn, also benefits from this deeper knowledge, as it allows them to provide better, clearer, more transparent service and significantly reduce the likelihood of misunderstandings, thereby mitigating the litigation arising from them. <\/p>\n

The second idea I want to emphasize is that increasing the financial knowledge of the population is not easy and requires time, therefore, it demands a medium- and long-term commitment from the institutions and individuals involved in it. Since we began our Your Finances, Your Future program five years ago, we have always emphasized that it was not an image campaign or a fad, but that our commitment to educating young people in this area was deep and long-term. <\/p>\n

For that same reason, we believe that initiatives of this nature should not be driven by specific leadership at a given moment, because if the leader disappears, the project evaporates. Financial education must be embedded throughout the organization; each department and area must be aware of its relevance and integrate it into its long-term strategy. <\/p>\n

Thirdly, I believe it is very important to choose the right projects to develop and the partners<\/em> with whom to do so, given that our resources are limited. In the case of ‘Your Finances, Your Future,’ we have chosen the route of extracurricular activities and Junior Achievement as a partner, and I believe we have made the right choice in both cases. <\/p>\n

Jos\u00e9 Mar\u00eda Rold\u00e1n, Chairman of the Spanish Banking Association<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Jos\u00e9 Mar\u00eda Rold\u00e1n calls for ensuring that no one is left behind in the digitalization process and the opportunities it opens regarding financial education. Just hours before the opening of the third edition of the EduFin Summit, to be held at BBVA City in Madrid on July 11 and 12, the AEB President defends the work of banks on matters relating to user confidentiality, “it is something that is in our DNA and it is not so clear that it is in the numerous technology operators, whose main source of income is the commercialization of data,” he notes. <\/p>\n","protected":false},"featured_media":36429,"parent":0,"template":"","etiquetas":[293,297,298,359],"categorias-blog":[783],"class_list":["post-36451","blog-aeb","type-blog-aeb","status-publish","has-post-thumbnail","hentry","etiquetas-banca-digital","etiquetas-digitalizacion","etiquetas-educacion-financiera","etiquetas-jose-maria-roldan","categorias-blog-presidency"],"yoast_head":"\nBlog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/we-must-ensure-that-no-one-is-left-behind-in-digitalization\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"og:description\" content=\"Jos\u00e9 Mar\u00eda Rold\u00e1n calls for ensuring that no one is left behind in the digitalization process and the opportunities it opens regarding financial education. 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