There has been a gradual shift in responsibility for social protection of individual citizens from the state to the individuals themselves, who must now operate in an increasingly complex financial marketplace to meet their own social protection needs and those of their household. This has raised concerns about the extent to which they are equipped to do so and a large body of research relating to financial literacy, financial capability and financial well-being. as well as a burgeoning financial education sector Elaine will explore the conceptual and practical differences between these three areas of research and how they relate to one another. To do this she will be referring to qualitative and quantitative research that will be published next month and drawing out what this means for educators and other policy makers.