Finances & Pédagogie

What Finances & Pédagogie does

Finances & Pédagogie is a French non-profit association (association loi 1901) founded in 1957, originally as CRBF (Centre de Recherches sur le Budget et les Finances) and renamed in 1997. Headquartered in Paris at 5 rue Masseran, the association delivers financial education training targeting youth, socially vulnerable populations, social economy organizations, and social workers across metropolitan France. Its core offering consists of professional training programs in budget management, banking relationships, savings, credit, and debt prevention, delivered through a network of 20+ regional correspondents hosted at Caisses d'Epargne offices and an ecosystem of 811 active partners (2025). The association complements in-person workshops with a portfolio of digital products: three mobile applications (Pilote Budget for budget planning, Pilote Dépenses for daily expense tracking, and Pilote Student for managing studies abroad), an interactive web documentary on digital banking, and the quarterly Paroles d'argent newsletter (issue 102).

The organization's business model is that of a sponsored non-profit. It does not charge end beneficiaries for training (free for participants), and its revenue/operating support derives from institutional patronage by the Caisses d'Epargne network (historical co-founder and primary funder), ESUS certification (granted November 2019) enabling access to solidarity-based savings products, OPCO referencing for professional training, and partnerships with public-sector actors (Banque de France, Ministry of National Education) and corporates (Malakoff Humanis, EDF, Crédit Agricole, La Banque Postale). Go-to-market is enterprise field sales: regional correspondents secure partnerships with social economy organizations, schools, insertion programs, and enterprises, then deliver workshops directly to beneficiaries. In 2025 the association reported 3,113 interventions, 41,528 people reached (25,883 youth), 420 professional trainees, and an 89% recommendation rate for professional training, with operations run by approximately 30 staff at the national headquarters and regional network combined.

Name

Finances & Pédagogie

Legal name

Finances & Pédagogie

Website

https://finances-pedagogie.fr

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

11–50 employees

Short description

Finances & Pédagogie is a French non-profit association (founded 1957) that delivers financial education training in budget management, banking, and debt prevention to youth, vulnerable populations, social workers, and social economy organizations across metropolitan France, supported by Caisses d'Epargne and reach enabled by 811 active partners.

Ownership category

akta.pro rank

Product category

Financial Education and Literacy Services

NAICS

Educational Support Services (611710)

akta.pro primary industry

Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)

akta.pro secondary industries

Personal Finance & Financial Literacy for Students (EDAMAIAH), Budgeting & Cash-Flow Management (FSAGADAA), Consumer Credit Counseling & Budgeting (FSAEAFAA)

Keywords

• Financial education training
• Budget management workshops
• Banking literacy programs
• Financial inclusion services
• Debt prevention advisory

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Training Services: The association provides financial education training to various publics through its network of regional correspondents. Training is delivered in partnership with social economy organizations, educational institutions, and enterprises.
2. Caisse d'Epargne Support: Primary ongoing funding and sponsorship from Caisses d'Epargne (French savings banks), which are co-founders and historical patrons of the association.
3. ESUS Accreditation: As an Entreprise Solidaire d'Utilité Sociale (ESUS) certified organization since November 2019, Finances & Pédagogie has access to specific financing mechanisms including solidarity-based savings products.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Finances & Pédagogie is a French non-profit training association that designs and delivers financial education programs covering budget management, banking relationships, savings, credit, and over-indebtedness prevention. It serves youth, vulnerable populations, social workers, and company employees through in-person workshops led by regional correspondents and through digital tools including the Pilote Budget, Pilote Dépenses, and Pilote Student mobile applications.

Product overview

Finances & Pédagogie operates as a financial education association supported by the Caisses d'Epargne network, offering a portfolio of educational products and services centered on financial literacy. The core offering consists of professional training programs in budget management, banking relationships, and financial awareness for diverse audiences. The product portfolio includes three mobile applications: Pilote Budget (for budget planning and remaining income calculation), Pilote Dépenses (for daily expense tracking), and Pilote Student (for managing study abroad finances). Complementary resources include the interactive web documentary on digital banking, the Paroles d'argent newsletter, pedagogical games like the Jeux du Budget, and specialized programs such as Apprendre la Bourse (stock market education competition) and J'invite un banquier dans ma classe (elementary school financial education). The association also provides Points Conseil Budget training and deploys a network of regional correspondents across metropolitan France to deliver these educational services.

Differentiator

Problem solved

Functional benefit

Brands

• Pilote Budget: Free, anonymous mobile application for budget management and calculating remaining living expenses
• Pilote Dépenses
• Paroles d'argent
• Pilote Student

Products and services

• Formation Professionnelle (Professional Training Programs)
• Pilote Budget Mobile Application

Quantifiable outcome

• 89% recommendation rate for professional training
• +2 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

25 partnerships are on record, tiered core, flagship, major and minor.

• Caisses d'EpargnecoreStrategic or Co-development PartnerHistorical founders and primary patrons of Finances & Pédagogie. Caisses d'Epargne provide ongoing funding, host regional correspondents in their offices, and share the association's mission of fighting financial exclusion. The partnership has spanned over 60 years.
• Banque de FrancecoreStrategic or Co-development PartnerActive member of the national financial education strategy (EDUCFI) coordinated by Banque de France. Partner for initiatives like 'Mes questions d'argent' portal and Global Money Week activities.
• Fédération bancaire françaiseflagshipStrategic or Co-development PartnerActive contributor to the 'J'invite un banquier dans ma classe' (I invite a banker into my classroom) program since its creation by the French Banking Federation.
• Malakoff HumanismajorStrategic or Co-development PartnerAwareness workshops for employees of member companies on financial education topics.
• EDFmajorStrategic or Co-development PartnerJoint awareness actions on energy savings and their impact on household budgets.
• Fondation Belem Caisse d'EpargnemajorStrategic or Co-development PartnerCollective training and individual support for young people selected by associations, embarked on the Belem ship with support from Caisses d'Epargne.
• Croix Rouge InsertionmajorChannel Partner/ Reseller/ DistributorBudget workshops for employees in insertion programs accompanied by various structures.
• Entreprendre pour ApprendreminorStrategic or Co-development PartnerParticipation in entrepreneurship initiation programs with Entreprendre pour Apprendre.
• Apprendre la BourseflagshipStrategic or Co-development PartnerEuropean program developed in schools. Competition to discover stock market, its role, actors and products. F&P is an active participant in this program coordinated by German savings banks.
• Unis-CitémajorStrategic or Co-development Partner'Parlons Cash' program developed in collaboration with Unis-Cité as part of the 'Garantie Jeune' program. Training of young volunteers for peer financial education.
• CNAMminorStrategic or Co-development PartnerPartnership with CNAM Caen around the theme 'New life project, dare to talk about money'. Development of distance learning modules.
• Agence Nouvelle des Solidarités Actives (ANSA)coreStrategic or Co-development PartnerCo-development of Pilote Budget application. ANSA is the lead coordinator of the digital inclusion project including F&P, banks, and associations.
• Emmaüs SOS FamillescoreStrategic or Co-development PartnerInitiator of Pilote Budget application project in 2015. Partnership for financial education for vulnerable families.
• Stade ToulousainminorChannel Partner/ Reseller/ DistributorAwareness on financial matters for young people at the training center.
• Ecoles de ProductionminorChannel Partner/ Reseller/ DistributorAwareness workshops for students, training for school directors on financial analysis fundamentals, and individual support.
• Habitat en régionminorChannel Partner/ Reseller/ DistributorPartnership around financial education for tenants and employees of social housing landlords.
• Fédération ENVIEminorChannel Partner/ Reseller/ DistributorBudget workshops for employees in insertion programs.
• La Banque PostaleminorStrategic or Co-development PartnerPartner in the Pilote Budget application development project.
• Crédit Municipal de ParisminorStrategic or Co-development PartnerPartner in the Pilote Budget application development project. Joint monthly information sessions on banking and budget.
• Fédération nationale du Crédit AgricoleminorStrategic or Co-development PartnerPartner in the Pilote Budget application development project.
• LADAPTmajorChannel Partner/ Reseller/ DistributorLong-standing partnership for financial education workshops for people with disabilities in professional reconversion.
• Néo 56majorChannel Partner/ Reseller/ DistributorFirst economic solidarity group in Brittany, working on professional insertion. Budget workshops for job seekers since 2012.
• ID'EES INTERIMminorChannel Partner/ Reseller/ DistributorPartnership for budget workshops in the HOPE experimentation for refugee integration into employment.
• Fondation Petits frères des pauvresminorChannel Partner/ Reseller/ DistributorTraining of volunteers on financial analysis fundamentals for evaluating project applications.
• OrphéopolisminorChannel Partner/ Reseller/ DistributorImpact partnership with police families through Orphéopolis organization.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Jump$tart Coalition for Personal Financial Literacy: US-based coalition coordinating financial education for K-12 and beyond, with public-private partner members. Comparable in convening banking, education, and non-profit partners around financial literacy curriculum and youth-focused programming.
• National Endowment for Financial Education (NEFE): US private non-profit foundation dedicated to financial education research, programs, and policy advocacy. Comparable in offering free financial literacy content, training programs, and partnering with educators and employers, though US-focused.
• Money and Pensions Service (MaPS): UK statutory body delivering national financial capability strategy, funded by the Financial Conduct Authority. Comparable in providing free, government-coordinated financial education programs and tools, though UK-focused.

Broad incumbents

• Fédération bancaire française (FBF): French Banking Federation, creator of the 'J'invite un banquier dans ma classe' program that F&P actively delivers. A broad incumbent that organizes industry-wide financial education initiatives through banking members.
• Banque de France (EDUCFI): France's central bank, which coordinates the national EDUCFI financial education strategy and the Mes questions d'argent portal. A core strategic partner of Finances & Pédagogie and an incumbent running overlapping financial-education programs at national scale.
• La Banque Postale: French bank with a public-service mission focused on financial inclusion. Comparable in offering financial education content and serving vulnerable populations, while also being a partner in the Pilote Budget application project.

Others

• Unis-Cité: French civic service organization co-developing the 'Parlons Cash' peer financial education program with F&P. Comparable as a non-profit that delivers educational content to youth through trained volunteers, though its core mission is civic service rather than financial literacy.

Emerging players

• Bankin': French consumer personal finance management app aggregating bank accounts and providing budgeting tools. Comparable in targeting the same young/budget-conscious user base with the Pilote Budget app, but operating as a venture-backed technology company rather than a non-profit.
• Crédit Municipal de Paris: Municipal credit institution in Paris offering social lending and pawn-broking services plus financial education sessions. Comparable in delivering financial education to vulnerable populations in a public-interest framework, though with a regulated lending remit that F&P lacks.

Direct peers

• Crésus: French non-profit specializing in financial education and over-indebtedness prevention for vulnerable households. Highly comparable mission, target audience (budget-constrained and socially excluded populations), workshop-based delivery model, and free-to-beneficiary pricing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCyOI5B1yD1ZCMpt1JRTgL7w
• LinkedInlinkedin.com/company/finances-pedagogie
• Instagraminstagram.com/finances_et_pedagogie

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finances & Pédagogie