Three Coins
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Financial education affects many areas of our lives. In order to close all (educational) gaps, we evaluate, develop and implement. The results are effective products that are cast in various forms: digital e-learning tools, apps, multi-media campaigns, classic workshops and much more.

Basics of financial compentency for everyone

The free online course “Gut mit Geld” (Good with Money) accompanies participants on their personal journey to better money management. They are given the necessary tools to master (financial) challenges and take sound (financial) decisions. Start the journey yourself right now: Click here for the online course!

The development of “Gut mit Geld” was supported by the Digifonds of the AK (chamber of labour).

KARDEA! for outstanding projects of young people

In cooperation with Erste Foundation, Vienna University of Economics and Business and the Erste Financial Life Park , we have initiated KARDEA! – the first countrywide prize for financial education in schools. This award places exceptional projects and innovative approaches in the field of financial education in the limelight and helps to spread them.

In November 2019, the first 12 winner projects were chosen by a jury and the award winners were honored during a festive ceremony.

Further details regarding this award are available on

Financial education within the family

To support parents accompanying their kids into a self-determined money life and to convey basic competencies to the kids directly, we have developed the cooperative board game – die SCHOTTERBANDE. Together with a guide for adults as well as a dedicated website with further information, this game is the ideal starting point to explore the topic of money from different angles. You can find further information directly on the SCHOTTERBANDE-website.

The development of “Schotterbande” was sponsored by aws impulse XS by BMDW and handled by aws.

A playful introduction to investment

Capital market and investment are topics that are becoming more and more important nowadays, but are not always easy to convey – especially to children and young people.

Thus, we have developed a new online-challenge on the topic of provision and investing for the Erste Financial Life Park in cooperation with the Vienna Stock Exchange and the Serious Gaming experts of ovos. During six interactive chapters, young people from the age of 14 discover, why the topic of investment is important, they are introduced to the most important aspects of shares, fonds etc. and they learn what needs to be considered before investing.

Start the FLiP Investment Challenge now!

Financially fit in just 5 weeks –
Our Financial EmpowerCamp

An e-mail bootcamp for financial health tailored to personal financial behaviour  – that is the Financial EmpowerCamp. Over a period of five weeks, each week we deliver an individual compilation of helpful tips and tricks, rules of thumb and challenges for a more sustainable approach to money – directly into your inbox.

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Finance app

Numbers cause stress. Money causes stress. We have developed a new method to convey healthy money management – completely without stress:

The smartphone app MoneyBubble is the daily companion, which provides an overview of your own finances and prevents being stressed by money issues. In a playful way and with a low entry threshold, it aims at making anyone and everyone a financial competency hero.

MoneyBubblers (users of the app) are supported step by step on their path through a gamified training program and are motivated by challenges to learn and adapt their behaviour. A convincing and novel design as well as a motivating, low-threshold language have inspired those who have tested it out so far.

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Is your company cares about financial education? You want to do something to help more people lead a free and self-determined life? We are happy to support you in this.

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Basics workshop:
Your financial literacy strategy

In our basics workshop, you will gain insight into the challenges of lack of financial literacy. We point out why we do what we do and what we value. We clear the confusion of definitions up and present best practices, both locally and internationally.

Together, we will work out how the topic of financial education can be tackled or developed authentically in your organisation – from stakeholder analysis via concepts through to specific next steps.

Individual project support

If the subject of financial literacy is already anchored in your mentality or you are already working on a project, we will gladly support you and your team in strategic and content-related questions. We are happy to share with you our expertise and experience from the last eight years in the field of financial education so that you do not have to re-invent the wheel. Our repertoire ranges from knowledge of financial education and behavioural sciences via the correct approach to different target groups, gamification and games up to technology and suitable media choices as well as impact measurement.

Project Management

You are commited to spreading financial education and have a project in mind already, but the necessary ressources are missing? In this case, we’re also the right partners taking on complete project management for your initiative. From stakeholder management and coordination of resources to steering a project to reach the targeted outcome  – we have been leading projects in the field for several years with great passion and success.

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We know a lot of methods and tools to teach financial skills effectively and we use them in workshops with different target groups. In addition, we provide all means to spread financial literacy to people that work with our target groups themselves.

Play and experience.

All our methods of financial education aim at longterm behavioural change. This is why we use a playful approach, intuitive rules of thumb and challenges that can easily be transferred into real life.

Made to measure for
our target groups.

The younger you benefit from financial education, the more sustainable it influences your future handling of money. This is why we have developed specific educational programmes for the following target groups:

  • Reading for pupils from 6 years on
  • School workshops for students from 13 years on
  • Series of workshops for apprentices
  • Training for youth workers and other people working with teenagers
  • Workshops for parents

Want to know more?

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