Financial literacy trends show youth turning to AI and simulations

Educational and market trends indicate a shift in how young people approach financial management. At Johanneum, students in grade 9 and above can participate in the 'Planspiel Börse' stock market simulation. Running from October 1, 2026, to January 25, 2027, the competition allows teams of 2 to 4 to manage a virtual portfolio, with cash prizes awarded to the top three teams in Lübeck.

Broadly, the 'NextGen Study 2026' highlights that young adults are increasingly turning to artificial intelligence, social media, and comparison portals for financial information rather than traditional banks. While AI provides quick digital orientation, research suggests that young people still rely more on human interaction for significant financial decisions. Experts suggest that banks must bridge the gap between digital accessibility and personalized, quality-assured financial advice to meet changing consumer behaviors.