1. FINANCIAL CAPABILITY GEMAP Scotland Ltd

2. Introducing GEMAP  Charity.  Formed 1994.  Traditional Money Advice service  Geographically bound  First 8 or 9 years established organisation and sank our roots within East End communities.

3. Reflecting  Period of reflection  How could we do better  Should we be doing something different  Forth bridge  Revolving door for clients  Accident and emergency service  Community consultation

4. Listening  Prevention  Education  Flexible  Bite size chunks  Lottery and Scottish Executive as was  GEMAP Financial education programme  To develop community based interventions and solutions to financial exclusion.

5. Some success  Mothers group  Debt free Christmas  EVIP Group  Schools  Community Financial Action Plan  Stoke patients

6. Growing  All of that success was built on listing to the communities we worked in.  Was a key driver in building the organisation  Employment  Health  Housing  Education  New areas.

7. The world has changed.  EVERYBODY HAS A STRATEGY.  Proliferation of resources particularly on line.  New technology.

8. Threats and Opportunities  Community based organisations cede ground to statutory organisations strategic vision.  Top down rather than bottom up  Disconnect with our communities.  To integrate on going work with strategies  Raises awareness  Financial capability and inclusion is a priority

9. The Challenge  To build sustainable financial capability and inclusion within communities.

10. Schools  Welcome the CFE resource material for teachers.  Financial education within the Curriculum.  What then if any is the role of a community financial inclusion project within the local school.  Do we have one?  Absolutely yes

11. Community Educators  Supporting teachers?  Delivering sessions?  Working with small groups of students?  Engaging with the next generation of consumers

12. Community Organisers  Develop peer educators  Finance partnerships involving Credit Unions, schools, banks, Numeracy and literacy projects  Finance Hubs?

13. Community Agitators  Embrace Social Media  Instigate initiatives  Share practice  Influence high level strategies from the community perspective.

14. Revolution  Galvanise  Inspire  Encourage Action