Whilst it is illustrative to focus on each component of financial literacy in turn, it is also valuable to consider how they combine. We have done this in several ways. First, a simple table showing the proportion of the population achieving high scores on each component illustrates important variations (Table 4). In 8 of the countries surveyed, a larger proportion of the population achieved a high knowledge score than a high behaviour score; indicating that levels of financial literacy in these countries are higher in terms of knowledge than behaviour. Conversely, in Germany, Malaysia, Norway, Peru, South Africa and.
