while others are more familiar with traditional savings deposit. Some prefer short term, fixed return products while others are drawn to giveaways and complimentary gifts or neglect details of the
financial behavior. Even with a well-designed financial education program with meaningful messages and effective delivery channels, financial literacy cannot be achieved if consumers neglect the necessity and
Edward Kirkham, (3) Mr. Andrew Wood, (4) Mr. Harpreet Sajjan, (5) Mr. Roger Sefton, (6) Ms. Sakun Chaiyakun and (7) Mr. Timothy Lock. PFS International Consultants is located at 142, Two Pacific Place