Financial literacy helps people make decisions about borrowing, saving and investing. Thailand is a useful case study, while the core lessons apply across countries. Verified survey context: The Bank of Thailand reported a 2020 financial-literacy score of 71.0% and a financial-knowledge score of 62.9%. These were overall survey measures, not the income-group statistics previously stated. The 2024 survey covered 12,558 people aged 15 and above across Thailand. Its overall fina