It includes the ability to make sense of and manipulate money in its different forms, uses, and functions; the ability to apply knowledge and understanding across a range of contexts including both predictable and unexpected; and the ability to appreciate the wider impact of financial decisions on personal circumstances, the family, and the broader community and to understand rights, responsibilit [...] Financial capability is a three-dimensional construct that includes: Financial knowledge and understanding: The ability to make sense of and manipulate money in its different forms, uses, and functions, including the ability to deal with everyday financial matters and make the right choices for one’s own needs. [...] Financial skills and competence: The ability to apply knowledge and understanding across a range of contexts including both predictable and unexpected situations and also including the ability to manage and resolve any financial problems or opportunities. [...] Financial responsibility: The ability to appreciate the wider impact of financial decisions on personal circumstances, the family, and the broader community and to understand rights, responsibilities, and sources of advice or guidance1. [...] Research completed by SEDI for the Financial Consumer Agency of Canada on the supply of financial information, education and advice products and services in Canada suggests that, while there is no shortage of supply of financial capability products and services, these are heavily concentrated, leaving several and significant gaps in the market.