Financial education is no longer a fringe concern in the UAE. Schools, universities, employers and financial institutions all recognise that young people need stronger financial foundations. Programmes have expanded, budgets have grown and the conversation has matured. Yet outcomes remain uneven.
Many young adults still enter the workforce unsure of how to manage credit, vulnerable to lifestyle inflation and hesitant when faced with long-term financial decisions. Engagement with financial education is often high but its lasting effect is harder to detect. This suggests not a lack of effort but a structural issue in how financial capability is being built and measured.
Fragmentation hides what matters
Most financial education initiatives today operate independently. A school programme here. A university workshop there.
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