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On October 6, we commemorate Financial Education Day 2025, under the slogan “Get Informed. Plan. Decide.” This campaign aims to highlight the importance of financial planning and the responsible management of economic resources. Oney, specializing in payment solutions and financial services, emphasizes the need for young people to adopt fundamental knowledge that will enable them to make informed decisions about their personal finances.
The first stage of this initiative, “Get Informed,” focuses on understanding the use of money and the consequences of common financial decisions. For Generation Z, who live in a digital environment characterized by instant consumption, it is crucial to avoid the mistake of “using without understanding.” Some basic concepts they need to learn include “credit score,” which assesses a person’s financial reliability; “amortization,” which refers to the process of repaying a loan; “delinquency,” which means failing to meet payment deadlines; and “variable interest rate,” which can affect loan payments.
The second phase, “Plan,” focuses on organizing personal finances through healthy habits. Essential concepts in this stage include “budgeting,” a tool that helps manage monthly income and expenses; “automatic saving,” which promotes financial discipline by transferring part of the income to a savings account; and “emergency fund,” recommended for covering unexpected expenses and which should be equivalent to three to six months of fixed expenses.
Finally, the “Decide” stage encourages young people to turn knowledge into action through responsible decisions. At this point, aspects such as “investment,” which involves allocating resources with the expectation of future benefits; “responsible consumption,” which requires assessing the necessity and sustainability of products before purchasing; and “responsible borrowing,” which necessitates using credit based on one’s repayment capacity and avoiding over-indebtedness, are highlighted.
“Financial education is key for our customers to make informed decisions that help them achieve their goals. At Oney, we want to make finance accessible to young people in a clear manner so they can manage their economic future with confidence,” said Xóchitl González Mora, CMO of Oney Spain. With this initiative, Oney reaffirms its commitment to providing tools that enable new generations to build a solid and sustainable economic foundation.
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Referrer: MiMub in Spanish
