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Integrative Economic Education to Combine Citizenship Education and Financial Literacy

Financial markets grow more and more important for society and its members. People, including school students, should meet these current as well as future competence requirements relating to financial literacy. However, the conditions determining the requirements for financial education are highly dynamic and are becoming more and more complex. So a point exists when the learning results of school education as well as lifelong financial education will not be sufficient to solve the financial problems people are confronted with. It might thus be more effective to take care of legal conditions, which are easier to handle. Generating such conditions requires civic competences in order to establish political pressure. Civic power of judgement without core financial and general economic expertise is not convincing and effective, because to achieve one's political objectives in a democratic society it is necessary to be in possession of the relevant arguments. Further, financial literacy without civic competence remains just on a reactive competence level instead of providing students with political agency. These two dimensions, i.e. financial literacy and the corresponding civic competences, have thus to be understood as parts of an integrative concept of economic education.