With the entrance of the new technologies, the evolution of the traditional piggy bank has derivative in the virtual piggy banks and in the use of the digital electronic wallet or ‘and-wallet’, among others new ways linked to the management of the saving very advantageous for the users.
Secure save in the shopping basket, use a traditional piggy bank to save cash until it does not fit a currency more or carry out monthly transfers to a savings account with a percentage of your salary are traditional saving ways that they still follow working. However, the irruption of the new technologies has arrived to stay in the management of the personal finances, bringing with him new methods of saving to very have in account.
Tools of digital saving that are offered in own applications of the banks and even the apps of expenses in a group, as Splitwise and Tricount, are major allies for the family economics and staff. Similarly, the traditional piggy bank has been transformed in the virtual piggy bank that it allows “moving away of your current account that money that need to fulfill your dream, undertake your personal project or, simply, have a mattress for the unforeseen events”, just as they explain from the Banco de España . In addition, have burst in alternative payment methods, as the and-wallets, digital electronic wallets or wallets that you allow making various online operations without needing a physical card and they optimise the experience of purchase.
Besides the virtual piggy banks and the and-wallets, are lots the functionalities and platforms that they allow optimising and control your expenses. The comparers of prices and characteristics for products in your shopping basket or for rent services as cars or hotels are a major ally of the saving.
The circular economy has been promoted a lot from the raid of the new technologies in our lives. For example, exist second-hand platform infinitude in which being able to find products to good price, in addition to being able to sell the products that no longer need. Additionally can make use of a planner website of budgets to take your incomes' control and expenses and not fall in unnecessary temptations. Additionally, can automate your monthly saving through some banking applications.
World Savings Day
Every 31 October, at the request of the Worldwide Savings Banks Institute and Retail Banks (WSBI, by its initials in English) and for already a century, is come celebrating on the Day World Championship of the Saving with the aim of increasing the public conscience on the importance of the saving, so much for the modern economies as for the individuals.
This year, under the slogan «A century of saving: from the piggy bank to the electronic wallet digital», the event underlines the vision of WSBI of leading the banking sector towards a new age, guided by the principles of sustainability, inclusion and technological progress.
CECA - association that represents to CaixaBank, Kutxabank and CajaSur Bank, ABANCA, Unicaja, Ibercaja Bank, Caixa Ontinyent, Colonya Pollença and Cecabank - is a company associated with the WSBI, that this year fulfills also 100 years as the banking association bigger of the world. WSBI emphasises for its responsible banking practice model, grouping to retail companies with a fort establish regional, concentrating on the client and focused on the financial inclusion.
The teaching of the saving, base of the financial education
The saving is considered as the part of our incomes that we do not dedicate to the expenditure and that we mostly amass to turn our dreams for that matter or to help us to solve unforeseen events that they can emerge in the future. For the sector CECA, the financial education is an absolute priority and one of the activity principal mainsprings that represents its commitment with the sustainability and the collective well-being, but this commitment for the financial teaching of basic literacy is not new. Already in the nineteenth century the companies associated with CECA began to interest for the implementation of the saving's teaching in the schools, and at the beginning of the twentieth century found the conviction of that the teaching to the youth of the saving's principles was of the greater importance. Since then, the sector CECA has not stopped developing different programmes and activities aimed at improve the financial culture of all the groups and generations, which it has consolidated him also as one of the largest investors in financial education in Spain.
The surveys demonstrate the scant financial knowledge of the town. Interpret the banking bills, choose the product of suitable saving or be clued up of the interest of a loan, among others, are abilities that are given for alleged and that, arrived the moment, can demonstrate lack of training financial essential to choose with criterion and accountability. The skills to take decisions that they derive in good consequences only can reveal for one better and clearer information, in addition to an enough base of knowledge. In the current context in which the phishings are had become something practically everyday, is appealed to the financial education as one of the mightier mechanisms to reduce its incidence. Thus, the commitment of the financial sector, especially of CECA, is steady: improve the financial culture so that all the people can manage good its personal finances.
