About us
Behind Three Coins stands a team of experts from the fields of economy, pedagogics, project management, training and behavioural science. The joint goal: To convey financial literacy to as many people as possible in a practical and impactful way together with the public hand, NGOs and private organisations.
Goran Maric, BSc (WU)
(he/him)
Managing Director
Personal rule of thumb
„The ultimate formula for spending money: half of my money is for things I need, a third for things I want, and the rest I save or invest.”
Mag.a Lena Gugenberger, MBA
(she/her)
Head of Operations
Personal rule of thumb
I always have at least three monthly salaries at the side – so I can sleep peacefully.
Arian Hartwig, MA
(he/him)
Project Management
Personal rule of thumb
New mobile phone? Sleep on it for a night first! I take time to compare prices and set price alarms, so I get a feeling for what certain things are worth to me personally.
Zsofia Darai, MA
(she/her)
Project Management
Personal rule of thumb
The first expense of the month is for myself. When I receive my salary, I immediately put some of it aside. With the help of a standing order to a separate savings account, I no longer have to think about it.
Linda Ohliger, MA
(she/her)
Project Assistant
Personal rule of thumb
„Knowledge is power: whoever knows the rules of the game plays better. Banks, advertising, and companies have their tricks — I educate myself so that I can make my own financial decisions.”
Natalie Denk, MA
(she/her)
Project Management
Personal rule of thumb
“Before I make a major financial decision, I take a mental ‘time travel’ into the future. I ask myself how this step could affect my life and what value it might have for me—both in the short term and the long term.”
Three Coins-Trainers
Michael
Matthias
Maria
Harmen
Andrea G.
Andrea S.
Anita
Irene
Marlene
Nina
Petra
Selma
Sissi
Taking financial literacy further
Katharina Norden
Co-Founder & Ex-CEO
Eva-Bettina Gruber
Ex-COO
Press and Media
Are you writing about financial education, looking for facts and figures, or seeking an interview with an expert? In our press section, you’ll find our latest annual reports, an overview of our media appearances, and direct contact information for our PR team.
Achieving more together with partners
Clients
Collaboration partners
