The financial system of our country is going through a process of continual consolidation and development, based on an entire array of opportunities and meeting multiple challenges in equal measure. One of the most important challenges stems from the implementation of the Basel II standard, which has an influence both on the functioning of the credit institutions and on the National Bank, as a monitoring body. Although many bank customers are fully aware of the fact that saving, investing and anticipating future evolutions have an essential impact on their life quality and financial security, they do not posess, in most cases, the necessary knowledge and information to effectively manage these elements. The main scope of the present article is trying to make the academic environment aware of the necessity of creating and providing for free all the instruments the public requires in order to effectively manage their own financial resources.

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