Preview

Target Group

Elderly people with more than 60 years living autonomously or in homes.

Duration

The Training Course is a serie of six face to face (2 hours) and six online (2 hours) sessions.

The total duration is 24 hours.

Instructors

1. Power Point presentations 
2. Word handouts 
3. Mobile app training tool 
4. Mentors or coaches to support trainees during the course
5. Hands-on approach with videos, scenarios and simulations 

Course Objectives/Goals

The overall objective of the training is to improve the capacity of older people and their communities to promote active ageing and autonomy through the use of mobile money and online tools to manage their finances.

Specific objectives are:

• Ensure that seniors have basic digital and financial literacy skills for a clear understanding of mobile money solutions and concepts;
• Familiarise seniors with the user interfaces of the most common mobile money apps, guiding them through navigation and key functionalities;
• Educating seniors on security measures to protect their mobile money accounts;
• Introducing mobile tools and techniques for budgeting and tracking spending;
• Encouraging seniors to share their knowledge within their communities, fostering a sense of community engagement and support in using mobile money tools;
• Highlighting the role of mobile money in promoting social inclusion, enabling seniors to stay connected with friends and family and participate in the digital economy.
• Facilitate opportunities for seniors to engage in peer learning, sharing experiences and tips for effective use of mobile money tools within the group.

Competences and skills

Basic Digital Skills

Necessary skills to use mobile money solutions safely and with confidence:

• Willingness to use ICT devices and keep them up to date
• Managing an email account
• Online navigation
• Setting privacy parameters.

Furthermore, it is important to be familiar with smartphones:

• Understanding basic terminology
• Navigating mobile interfaces and menus
• Using touchscreen and buttons
• Being able to download and update mobile apps.
• Willingness to explore different features of the mobile app.

Security Awareness skills

• Recognizing and avoiding potential scams and phishing attempts
• Creating and managing strong passwords
• Understanding the importance of securing personal information.

Financial Literacy skills

• Understanding basic financial concepts related to mobile transactions (ie. account balance, transaction history, transaction limits, transaction fees, transfers, bill payment).
• Monitoring account balances and transaction history
• Budgeting and managing finances through mobile apps.

Navigation skills

• Using mobile money apps to send and receive funds
• Navigating through various features such as bill payments, top-ups etc.
• Understanding transaction confirmation messages and receipts.

Problem solving skills

• Ability to troubleshoot common issues independently.
• Seeking help when encountering more complex problems (ie. Contacting customer support and reporting issues).

Transversal skills

• Being more autonomous in the management of personal finances
• Being confident in their own skills to manage finances through ICTs.
• Trusting new technologies and mobile finance environment
• Feeling safe when using the mobile finance environment
• Acquiring social skills to interact with their support group, other seniors and providers

Training Contents

TOPIC 1. Basic digital literacy skills

1. Introduction of the session: duration, objectives, content, and methodology
2. Keeping ICT devices up to date
3. Managing an email account
4. Online navigation
5. Passwords and privacy parameters
6. Basic terminology of smartphones
7. Navigating mobile interfaces and menus, using touchscreen and buttons
8. Downloading and keeping an app up to date 
9. Exploring different features of a mobile app
10. Tips & Practical exercises

TOPIC 2. Managing a bank account online

1. Introduction of the session: duration, objectives, content, and methodology
2. Overview of types of bank accounts (traditional vs online banks, savings account vs current account)
3. Benefits & challenges
4. Downloading and updating your mobile banking app, presentation of features available (check bank and credit card balances, transferring money online, managing credit card limits).
5. Obtaining your identification and code to access your online banking services
6. Monitoring the account’s balance (navigating account statements and transaction history)
7. Initiating transfers between different accounts (adding a beneficiary, sending money using the IBAN, understanding the timeline and eventual fees involved)
8. Consulting messages and alerts
9. Tips & Practical exercises

TOPIC 3. Online solutions for receiving and sending money

1. Introduction of the session: duration, objectives, content, and methodology
2. Overview of different solutions available on the market
3. Benefits (ie. convenience & speed) & challenges
4. Setting up and using mobile wallets (ie. PayPal)
5. Step-by-step on how to send and receive money
6. International money transfers
7. Tips & Practical exercises

TOPIC 4. Using a Credit Card to Purchase from Online Goods and Services

1. Introduction of the session: duration, objectives, content, and methodology
2. Understanding the different types of credit cards, credit card limits and insurance
3. Benefits and challenges
4. What to know to safely purchase at an online retailer/website
5. Reporting an incident with your payment
6. Practical tips & exercises

TOPIC 5. Processing online payments for taxes and bills

1. Types of bills that can be paid online or through a mobile app
2. Benefits & challenges
3. Setting up bill payments (consulting the bill, registering the payment information, setting and scheduling recurring automatic payments)
4. Declaring and paying taxes online (presentation of your national government service and tools)
5. Budgeting and expense tracking (using online and mobile tools to manage expenses, creating a budget)
6. Late payment consequences
7. Practical tips and exercises

TOPIC 6. Security & Prevention

1. Introduction of the session: duration, objectives, content and methodology
2. Understanding basic security principles (strong password, protecting personal information, non-disclosure of sensitive data such as credit card number, bank account etc)
3. Securing your ICT or mobile device (biometry, PIN), keeping operating system and antivirus up to date.
4. Securing your mobile money accounts (best practices, double authentication).
5. Transaction confirmation and receipts (verifying transaction details before confirming, keeping online receipts)
6. Understanding what scams are and recognizing are the most common (financial) scams
7. The different between phishing (harmful) and spams
8. Reporting security incidents: a phishing threat and/or a spam
9. Tips & Practical exercises