A Glimpse of the complexity of factors that influence financial literacy

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      <subfield code="a">Socio-economic factors and the provision of financial education do explain the variance in financial literacy in some countries, but not in all. In the PISA 2012 financial literacy test, Estonian students ranked very highly in international comparison; although only a few had received financial education at school. Compared with other countries, socio-economic factors explained the smallest proportion of variance in the test score.</subfield>
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      <subfield code="t">International Journal of Consumer Studies, Vol. 40, Issue 6, November 2016, Pages 722-731 </subfield>
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