A national survey of 1,017 residents assessed financial literacy and inclusion in Luxembourg using the OECD/INFE toolkit. The average financial literacy score reached 60/100, with higher results among men, older adults, and high-income households, while younger people and low-income groups scored lower. Digital financial literacy averaged 54/100, revealing significant gaps among youth and women. Although 86% of residents actively save, 35% could not cover expenses for more than three months without income. Most households hold financial products, yet only half compare offers when choosing. The study highlights progress in awareness but persistent inequalities in knowledge, behavior, and resilience.
