for fostering best practices, raising awareness and helping us to improve our processes especially in this area of financial stability in the region in general. finally, i hope that you will find this workshop stimulating and that you will enjoy your stay in zambia. with these remarks, i declare this workshop officially open. i thank you. bis central bankers ’ speeches

dimitar bogov : improving education and access for children and youth to financial services address by mr dimitar bogov, governor of the national bank of the republic of macedonia, at the 3rd annual regional meeting for europe and central asia ( eca ), skopje, 2 – 3 october 2014. * * * dear ministers, esteemed guests, dear ladies and gentlemen, it is my honor and privilege to welcome you all here in skopje, macedonia to this important event for the region of europe and central asia. the aim of this meeting is to gather together in one place the regional leading policy - makers, financial institutions and experts that are engaged in the issues of children and youth access to financial services, financial inclusion and financial education, employability and entrepreneurship opportunities, to share success stories and challenges. there has been some progress made in these fields because of the existence of international movements such as child and youth finance international that are keen to develop a generation that will be better prepared to prevent future financial crisis by increasing the financial education, access to finance, employability and entrepreneurship skills of children and youth. on a global level, significant progress has been achieved in advancing the mentioned priorities. important steps have already been made in the area of improving access to financial services in the previous years. access needs to be complemented by the quality of the financial services. the quality of financial services and the participation in the financial system is equally important for all participants in the system. children and youth are participants as well. they are undoubtedly part of every economy, part of the societies and their opinion matters. what we need to do today and tomorrow, is to make sure that all 70 children and youth participants from across europe and central asia will present to the policy makers their action points for creating appropriate and sustainable youth economic opportunities. as the mission of child and youth finance international states : “ by ensuring youth are included as active participants in the decision - making process we believe that the policies shaped will be more youth - focused and inclusive, and the youth themselves will be more inclined to agree with the policies as they helped create them. ” there is an existence of appreciation that the level and quality of financial education and financial inclusion of youth in every economy will have a significant impact on the prospect for sustainable growth. the financial inclusion will also provide an opportunity for further advancement that would support and facilitate sustainability of financial stability. a key point for ensuring the financial stability is the financial capability of consumers itself so that they can meaningfully participate