Financial Capability Conference

Together For Financial Wellbeing. Registrations now open.

Digital Finance Frontiers 2025 – Empowerment Through Technology & Education
Malta’s national conference on digital finance and financial capability
15 October 2025 • Radisson Blu, St Julian’s

The Financial Capability Conference 2025 is not just an event—it’s a call to action. Last year we saw a gathering of over 150 passionate leaders, educators, and change-makers, all united by a single interest: to elevate financial literacy and create a future where everyone has the power to manage their financial well-being. It’s time for us to challenge and change the way we think about money and its potential to improve our lives and wellbeing.

This year’s theme responds to an urgent need: building Digital Financial Literacy—a foundational skill as vital as reading and writing in today’s AI-powered, fast-evolving economy. Backed by the latest OECD 2023 findings, which show significant gaps in Malta’s youth readiness for digital finance, the conference is a catalyst for collaborative, forward-thinking solutions.

An urgent call to equip our educators, financial institutions, and policymakers with tools, trust, and vision—as AI, the Digital Euro, and fintech transform how we manage money. Expect a day of bold ideas, honest conversations, and practical tools. Expect to challenge how we think about money and its role in shaping better lives. This is your opportunity to be at the forefront of change—where innovation meets impact.

Why This Matters?

• Malta’s Digital Education Strategy & DiHubMT are opening doors for innovation in classrooms and public tech-skills.
• Measuring Wellbeing not just GDP: recent announcements show the government is shifting toward indicators that reflect people’s quality of life.

• With the rise of e-Government services, digital payments, and mobile finance apps, maintaining trust, understanding, and inclusion is essential.

Why Become a Partner

Become a Partner and amplify your impact:

• Exhibition stand to connect with educators, fintech leaders, policy-makers, and youth

• Speaking opportunities on panels or as featured speaker • Logo presence across all materials, digital platforms, and event branding

• Access to conference participants for networking and collaboration

Who is this conference for?

Schools, educators, finance and entrepreneurship leaders and professionals.

Putting Financial Capability on the agenda

Register

Registering for the conference is free. However, as an NGO your donation will go towards building more financial literacy tools and projects for the community, teachers, kids, and parents.

Thank you for your support!

Become a Partner

Register

donate

Exhibit

Registering for the conference is free. However, as an NGO your donation will go towards building more financial literacy tools and projects for the community, teachers, kids, and parents.

Thank you for your support!

Support the NGO through a donation which will be used to continue building more financial literacy tools and projects for the community, teachers, kids and parents.

Thank you for your support!

Build momentum and amplify your impact by showcasing your Financial Literacy knowledge and achievements at our Conference.

Speakers & Panelists

Roberta Metsola — EU Parliament President

Chiara Monticone — Senior Policy Analyst, OECD: Expert in financial education for women, seniors, young people; leads OECD work on PISA financial literacy & consumer protection.

Mohsen Shafiq Siddiqui — CEO & Co-founder, GenMo: FinTech pioneer from Pakistan with 150+ sessions & 7,000+ youth trained; helps financial institutions globally integrate literacy with digital innovation.

Fabianne Ruggier - Chairperson of Junior Achievement Malta

Matthew Caruana - CEO of JA Malta and the Chairperson of JA Europe Board of Executives.

Petra Ellul Mercer - Financial Capability Developer at JA Malta and Founder of CapableMind

Elina Konstantinidou - Director at Mastercard, managing Public Sector and Government relations in Greece, Cyprus, and Malta. With over 15 years at Citibank Greece, where she became VP in Retail Banking, she holds a BA in Business Economics and an MSc in Financial Economics.

Ludwig Mallia - Fintech Expert with 15+ years’ experience in banking and IT leadership. He has led digital bank launches, senior roles at Malta’s top banks, and now drives enterprise-wide Agile transformation at Bank of Valletta.

Ronald Psaila - Leads technology development at APS Bank, overseeing DevOps, Data, Automation, and Enterprise Architecture teams. With 28 years of IT experience and a Master’s in Business Management, he contributes to the Bank’s strategy through committees on enterprise architecture, AI, and process automation.

Adelina Nechita - Seven years of experience in the MFSA’s Enforcement Function. She holds a Bachelor of Arts (Honours) in Criminology from the University of Malta. Her regulatory background, combined with her expertise in criminal behaviour, has nurtured a strong commitment to consumer protection and scam awareness.

Neil Attard - Director of Digital Literacy and Transversal Skills at MEYR, leads initiatives in AI, EdTech, and digital learning. With a background in marketing and education, he works to bridge the digital divide and empower communities through digital skills.

Bernard Montebello - Head of Malta’s European Digital Innovation Hub, driving digital transformation for startups, SMEs, and scale-ups. An award-winning entrepreneur with experience in major ICT projects, he co-founded two start-ups and is passionate about innovation and technology.

Melissa Chetcuti - Primary teacher at St Catherine’s High School, Pembroke, integrates financial literacy into her Junior 5 classroom. Among the first in Malta to complete the Centre of Excellence in Financial Capability training, she promotes real-life skills and collaborates with peers to advance financial education.

Antonia Ciappara - A 16-year-old chemistry and physics student at St Aloysius College, created Rocky CO₂, a robot that reduces atmospheric CO₂. A Girls Go Circular Ambassador and JA Company Programme alumna, she won first place at the Women and Girls in STEM Forum and was later invited by the European Commission and RASIT to share her STEM achievements.

Horace Laudi - A financial services veteran with over forty years’ experience, is Policy Consultant at the Ministry for Education, Sport, Youth, Research and Innovation. He oversees Stipends and Grants and collaborates with local institutions, Junior Achievement, and the HSBC Foundation to advance youth financial literacy.

Glenn Bugeja - An internationally trained manager specialising in large-scale corporate citizenship projects. He focuses on management, sponsorships, community development, and public affairs, with a strong passion for sustainability and corporate impact. He currently serves as Manager of Corporate Sustainability for the Channel Islands and Isle of Man and as Secretary of the HSBC Malta Foundation.

Agenda

Exhibitors

Exhibitors will be showcasing their financial literacy resources for educators.