东盟成年人数字金融素养核心竞争力框架

Disclaimers This work is published under the responsibility of the Secretary-General of the OECD. The opinions expressed and arguments employedherein do not necessarily reflect the official views of the Member countries of the OECD. This document, as well as anydata and map included herein, are without prejudice tothe status of or sovereignty over any territory, tothe delimitation of international frontiers and boundaries and to the name of any territory, city or area. Photo credits:©chienlee/ Getty Images ©OECD2026 Attribution4.0 International (CCBY4.0) This work is made available under the Creative Commons Attribution4.0 International licence. By using this work, you accept to be bound by the terms of this licence(https://creativecommons.org/licenses/by/4.0/). Attribution–you must cite the work. Translations–you must cite the original work, identify changes to the original and add the following text:In the event of any discrepancy between the original work andthe translation, only the text of original work should be considered valid. Adaptations–you must cite the original work and add the following text:This is an adaptation of an original work by the OECD. The opinions expressed and argumentsemployed in this adaptation should not be reported as representing the official views of the OECD or of its Member countries. Third-party material–the licence does not apply to third-party material in the work. If using such material, you are responsible for obtaining permission from the third partyand for any claims of infringement. Any dispute arising under this licence shall be settled by arbitration in accordance with the Permanent Court of Arbitration(PCA) Arbitration Rules2012. The seat ofarbitration shall be Paris (France). The number of arbitrators shall be one. Foreword The increasing digitalisation of financial servicesand the popularity of digital tools tohelpmanagepersonalfinancesaregrowing trendsexperienced in many economies,including intheASEAN region. In recognisingtheopportunities and challengesarising from increasing access to and use ofdigitalfinancial products and services,thisdocument presentsaDigital Financial Literacy Core CompetencyFrameworkfor adults in ASEAN(hereafter “DFLCC Framework”). The DFLCC Frameworkcan be usedby policymakers and other stakeholders to identify competency gaps, informthe design ofdigitalfinancial literacystrategies, policy initiativesand programmes, as well assupportmeasurementandevaluation. ThisDFLCC Frameworkwasdeveloped by the OECDat therequestofMalaysia and Indonesia as co-leads of theAssociation of Southeast Asian Nations(ASEAN)Working Committee on FinancialInclusion(WC-FINC)Desired Outcome 4 sub-committee (on ‘Increasing Awareness on FinancialEducation and Consumer Protection’)following theImplementation Guidelines to Strengthen DigitalFinancial Literacy in ASEANdeveloped under theIndonesia Chair 2023ofASEAN. ThisDFLCC Framework provides a structured summary of outcome-basedcorecompetenciesrelevantfor ASEAN Member States (AMS)regarding the knowledge,skills, behaviours and attitudes thatindividualsshould demonstrate to safelynavigateand benefit fromdigitalfinance. Itfocuses on adultsand their personal and household financial decisions, while includingsome core competencies that arerelevant for other target groups, notably young peoplebetween15and 18yearsandowners of micro,small and medium-sized enterprises(MSMEs).Italso includes some competencies of relevance forIslamic financeprinciples. It isapplicableacross AMSand it is intended thatAMS will be able to decideif and how they wish toaddress those competenciesin their national contexts. Acknowledgements This document has been developed by the Capital Markets and Financial Institutions Division of theOECD Directorate for Financial and Enterprise Affairs. It was prepared by Elizabeth Ooi, Policy Analyst,under the supervision of Chiara Monticone, Senior Policy Analyst, Miles Larbey, Head of the FinancialConsumerProtection,Education and Inclusion Unit,and SerdarÇelik,Head of Division.Thedevelopment of this document was discussed with ASEAN Member States during the fourth annualJoint OECD-ASEAN WC-FINC Roundtable held in Penang, Malaysia on 19 February 2025 as well asthe 20thmeeting of the WC-FINC held in Bangkok, Thailand on 7-8 August 2025. The OECD thanksAMS for their inputs and feedback which have informed the development of this document. Thisdocument is possible with thanks to financial support from the Government ofJapan. Table of contents Foreword3 Acknowledgements4 1 Introduction 6 1.1 The use of DFS in ASEAN Member States61.2 Rationale for and development of the DFLCC Framework91.3 Scope of the DFLCC Framework101.4 Implementation of the DFLCC Framework111.5 Structure of the DFLCC Framework11 Annex A. Digital Financial Literacy Core Competency Framework for Adults inASEAN13 Annex B.Glossary35 References37 FIGURES Figure 1.Percentage of adults age 15+ who made or received digital pay