The United Arab Emirates continues to entrench financial and investment literacy as one of the pillars of economic stability and societal wellbeing, through an integrated system of national strategies, government initiatives, educational programmes, and private-sector contributions, with the aim of empowering individuals to manage their financial resources efficiently and promoting saving and investment.
Government and private efforts over recent years have contributed to raising financial awareness in the country and to its ranking at the top of the Arab world in this field, according to the results of the PISA 2022 international student assessment programme.
The Central Bank of the UAE leads key efforts in this area through the National Financial Inclusion Strategy 2026–2030, developed by the Central Bank with the support of international partners including the World Bank, the Organisation for Economic Co-operation and Development, and the Arab Monetary Fund, with the contribution of more than 70 relevant national entities.
The Central Bank affirmed its commitment to developing effective partnerships with global financial institutions, including the World Bank, and its dedication to supporting initiatives and frameworks focused on enhancing financial awareness and literacy, and engaging all segments of society in the financial system — thereby contributing to building a strong and prosperous society and consolidating the country's standing as a global financial centre.
In parallel, the Zood initiative has emerged as an independent, free national platform for the financial wellbeing of UAE residents, providing access to useful and tailored personal financial guidance.
Since its launch, Zood has expanded to lead national programmes such as Global Money Week in partnership with the Central Bank of the UAE, and implements financial education programmes in schools, universities, and the community, in alignment with the National Financial Inclusion Strategy.
In addition to its role and specialisation in consumer financial protection, Sanadak — established by the Central Bank to settle consumer complaints against licensed financial institutions and insurance companies — stands out as a key active body in promoting banking and financial literacy and raising awareness of financial responsibilities and obligations, whether through its platform or via public awareness events and initiatives.
The Securities and Commodities Authority (SCA) plays a direct role in promoting investment awareness and protecting investors through the regulation of financial recommendations and digital financial content.
In this context, the SCA launched the