The program, developed within the Fondazione Collegio San Carlo, fostered dialogue, active listening, and personal growth through talks, meetings with experts, inspirational testimonials, and hands-on workshops. It provided participants with concrete tools to navigate the challenges of their personal and professional economic lives with greater awareness, while simultaneously encouraging the exchange and sharing of experiences.
Building on this initial collaboration, a desire emerged to gain a deeper understanding of the perspectives of the new generations through a structured survey.
How does Gen Z experience its relationship with money?
How does Gen Z experience its relationship with money?
MoneyLab is a project promoted by BPER Banca and Fondazione Collegio San Carlo, involving several Italian universities, created to explore the relationship between Generation Z and money.
How do young people manage their savings? How familiar are they with financial tools? What are their concerns regarding the future? And to what extent do family, social media, and new technologies influence their financial decisions?
To answer these questions, MoneyLab developed an initiative that combined education, active listening, research, and outreach.
735
Young people involved in the investigation
21%
He/she feels financially prepared.
48,8%
He fears future instability above all else.
In Italia oltre 1 milione di giovani 29-39 anni vorrebbe comprare casa ma non riesce per limiti economici.
Tra i giovani che comprano, il ricorso al credito resta centrale: nella fascia 29-39 anni, il 69% ha acceso un mutuo.
1 giovane su 3 tra quelli che negli ultimi cinque anni ha comprato casa, ha avuto bisogno dell’aiuto economico della famiglia.
Il vero co-mututatario invisibile sono spesso i genitori.
The program
The questionnaire
In collaboration with BPER’s Research Department, a questionnaire was developed that gathered 735 responses—primarily from university students with a median age of 21.
The questions explored various aspects of the relationship with money: from basic financial literacy to saving and spending habits, from self-perceived levels of financial preparedness to investment choices, and even the influence of personal relationships and digital channels.
The data collected were analyzed to establish an "Observatory" on the relationship between young people and money, designed to shed light on their behaviors, expectations, and educational needs.
The questions explored various aspects of the relationship with money: from basic financial literacy to saving and spending habits, from self-perceived levels of financial preparedness to investment choices, and even the influence of personal relationships and digital channels.
The data collected were analyzed to establish an "Observatory" on the relationship between young people and money, designed to shed light on their behaviors, expectations, and educational needs.
The observatory's results
The results reveal a generation that understands fundamental economic concepts but does not feel sufficiently prepared to make financial decisions. Also emerging are concerns regarding economic instability, alongside positive findings about the channels through which young people seek information with the greatest degree of trust.
The research does not claim to represent the entire generation; rather, it offers significant insights into how access to financial education can be improved.
The research does not claim to represent the entire generation; rather, it offers significant insights into how access to financial education can be improved.
Il report completo
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I partecipanti
Legenda
30%
Donne
70%
Uomini
L'infografica dei risultati
Bla bla bla
The talk
The project will conclude with the public sharing of its findings through informative content, in-depth materials, and "Money Talk"—a free event taking place on November 24, 2026, in Modena. MoneyLab’s purpose extends beyond research: it aims to transform data into tools for understanding, foster discussion, and help build a more informed relationship between young people and money. This initiative is set to continue, with a new edition of the Observatory planned for 2027.
Le videointerviste a radio Unimore
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Luciano Canova - Le scelte irrazionali
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