North Star

Not mandatory

Financial education isn't required

Financial literacy is not part of the mandatory Dutch curriculum, leaving most teenagers to learn money skills on their own.

19.2%

Below baseline proficiency

Nearly one in five Dutch students does not reach the baseline level of financial literacy measured by international benchmarks.

~40% gap

Vocational students score lower

Students in vocational tracks score almost 40% lower than peers in pre-university education a gap that compounds for life.

Disproportionate

Vulnerable youth are hit hardest

Newcomer, refugee and lower-income teenagers face the steepest barriers to building money confidence and independence.

Tool

Built like a game, designed like a curriculum

• Gamified platform from basics to advanced skills
• Aligned with Dutch & EU financial-literacy standards
• Teacher-guided classroom model

Inclusive

Made for every teenager including newcomers

• Designed for multilingual teenagers
• Adapted to different learning levels
• Supports newcomer student inclusion

Accessible

Concepts that feel close to real life

• Simple, relatable financial concepts
• Language-friendly learning experience
• Student-centered, decision-led approach

Unique learning model

Storytelling, gamified play and real-life decision-making woven into a single, coherent journey.

Gamified simulation

Students don't just read theory they practice choices, see consequences and adjust their thinking.

Holistic model

Integrates knowledge, behavior and confidence so financial skills actually stick beyond the classroom.

Behavioral economics

Builds financial habits, emotional awareness and smarter long-term decisions, grounded in evidence.

Confidence

Teens move from anxiety around money to clarity about choices.

Expected outcome: Students report higher self-assurance in financial conversations.

Decision-Making

Reflection loops turn impulse into intention.

Expected outcome: Students make more considered choices under pressure.

Financial Resilience

Building habits that withstand unexpected expenses.

Expected outcome: Students create emergency funds and budget effectively.

School Engagement

Financial literacy connects classroom learning to real life.

Expected outcome: Students show increased participation in economics classes.

Future Opportunities

Stronger financial fluency opens doors early.

Expected outcome: Students enter adulthood with practical money management skills.