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5、entandFutureIntroductionInrecentyears,theneedforfinancialeducationhasgainedtheattentionofawiderangeofentitiesincludingbankingcompanies,governmentagencies,grass‐rootsconsumerandcommunityinterestgroups,universities,schools,andotherorganizations.Numerousfactor

6、shaveledtoacomplex,specializedfinancialservicesmarketplacethatrequiresconsumerstobeactivelyengagediftheyaretomanagetheirfinanceseffectively.Theforcesoftechnologyandmarketinnovation,drivenbyincreasedcompetition,haveresultedinasophisticatedindustryinwhichcons

7、umersareofferedabroadspectrumofservicesbyawidearrayofproviders.Otherimportantdemographicandmarkettrendscontributingtoconcernsincludeincreaseddiversityofthepopulation,resultinginhouseholdsthatmayfacelanguage,cultural,orotherbarrierstoestablishingabankingrela

8、tionship;expandedaccesstocreditforyoungerpopulations;andincreasedemployeeresponsibilityfordirectingtheirowninvestmentsinemployer‐sponsoredretirementandpensionplans.Theprevailingconcernisthatconsumersla