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
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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
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even our daily lives. 3 ❑The 2023 Israel-Hamas war ❑The war between Ukraine and Russia ❑Trade War between US and China ❑Autonomy of Taiwan and Hong Kong from China Source: The Guardian newspaper ❑Tension
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