Credit: Aisance

On Monday 12 January 2026, Luxembourg-based financial education platform, Aisance, announced the launch of the Luxembourg Financial Literacy Initiative 2026.

This national programme aims to strengthen financial education among students and support universities, higher education and vocational institutions in preparing young people for real-world financial decisions.

The initiative offers three months of free premium access to the Aisance platform for students across eligible institutions in Luxembourg.

According to the company, nowadays young people are facing decisions about credit, digital payments, saving, investing and budgeting earlier, yet international research shows that many lack basic financial skills:

  • across Organisation for Economic Co-operation and Development (OECD) countries, approximately 18% of students lack basic financial literacy proficiency, indicating they struggle to apply financial knowledge in everyday situations;

  • European Union (EU) financial literacy data shows that only 18% of citizens overall score at a high level of financial literacy, while 64% display medium levels and 18% low levels, highlighting widespread gaps in financial knowledge across age groups;

  • local surveys in Luxembourg suggest that young people often have lower financial knowledge than older generations, especially regarding digital finance and practical financial behaviour;

  • independent data shows that approximately 85% of young people in Luxembourg want to better understand personal finance concepts, with many reporting feeling overwhelmed by financial decisions.

The data points to a need for structured financial education that focuses on practical skills rather than just theory, enabling students to manage money effectively and build financial resilience early on.

The Luxembourg Financial Literacy Initiative 2026 uses the Aisance Method, a seven-step framework grounded in behavioural psychology. Rather than focusing solely on theory, the programme aims to emphasise actionable steps and measurable outcomes, helping students turn financial knowledge into sustainable habits.

The initiative is open to students of the University of Luxembourg and to higher and vocational education institutions across the country. It complements existing curricula and can help institutions address broader well-being and life-skills objectives.

According to early results from the Aisance platform, users saved an average of €320 within the first two months, while 72% of students surveyed reported reduced money-related stress within eight weeks.

Applications to join the Luxembourg Financial Literacy Initiative 2026 are open until 31 December 2026. Students and educational institutions can learn more and apply online via https://aisance.lu/.