“…By contrast, a less prolific line of research into financial literacy has focused on the internal processes through which consumers develop economic and financial skills. Such studies aim to identify the factors involved in the promotion of financial performance, in order for them to serve as the basis for successful public policies aimed at improving such skills (see Lusardi, Mitchell, & Curto, ; Erner, Goedde‐Menke, & Oberste, ; Riitsalu & Pöder, ). In these studies, financial skills are described as the output of a complex production process in which several influences participate (individual attitudes, aptitudes for learning, the family context, social networks, schools, etc.…”