Digital finance and security

The aim of the lesson

Your secrets are yours, your confirmation is yours, and time is on your side — but only if you act at once.

• 👧 Child: your password is a secret; tell a grown-up when something worries you.
• 🧑 Teenager: two keys, not one; stop before you click.
• 🧔 Adult:
• I don't share codes and I don't confirm a payment whose amount and payee I haven't read;
• limits and Verification of Payee are my locks;
• when in doubt: Stop · Block · Tell · Keep — within the first hour;
• my data is mine: access, erasure, withdrawal of consent.

Your step in Pecuvo: in the wallet, open the "Security" section and for every account and card write down: (1) is a second factor switched on, (2) is a daily limit set, (3) the phone number for blocking. Set a "Monthly check" goal with a reminder.

The topic (chapters of the module)

1. Chapter 1 · What digital finance is
2. Chapter 2 · Identity and access: passwords, second factor, biometrics
3. Chapter 3 · Strong customer authentication (PSD2)
4. Chapter 4 · Instant payments in euro and Verification of Payee
5. Chapter 5 · How common scams work — as a mechanism
6. Chapter 6 · If something goes wrong: first steps and your rights
7. Chapter 7 · Personal data and finance: GDPR, consents, open banking
8. Chapter 8 · European Digital Identity and the digital euro: where we are
9. Chapter 9 · A digital hygiene routine: checklist
10. Chapter 10 · Games, apps and in-app purchases

For the youngest · ages 6–7

Questions for the class — 3 per level

• 👧 1. Why is a password a secret word? 2. What do you do when something online worries you? 3. Who is a grown-up you trust?
• 🧑 1. What are the three kinds of proof of identity? 2. Why is a confirmation code never shared? 3. What are the four steps "Stop · Block · Tell · Keep"?
• 🧔 1. When does PSD2 require strong authentication (Article 97), and how is the code linked to an amount and a payee? 2. What happens when Verification of Payee finds no match, and within what time does the bank refund an unauthorised transaction? 3. What rights does the GDPR give you over your data, and where do you lodge a complaint in your country?

Check yourself — Chapter 10

• 👧 1. What is behind the tokens in a game? 2. Whom do you ask before buying something in a game? 3. How do you know it's time to stop playing?
• 🧑 1. Why do tokens make the price harder to feel? 2. What do you pay for a "free" game with? 3. What is gamification, and where else do you meet it besides games?
• 🧔 1. What does point 28 of Annex I of Directive 2005/29/EC prohibit? 2. What are the four points of the home agreement on a limit? 3. What do you do if a child has bought something without permission?

A 45-minute plan

5 min

The question for the evening or one from “Check yourself” — what do the pupils think? No right or wrong answers.

15 min

One or two chapters of the module at the level of the class (the “child · teenager · adult” buttons on the page).

10 min

The game or the calculator for the topic — in pairs or on the board.

10 min

The questions for the class. If you like, the open test — everyone writes down only their code.

5 min

The iron principle in the pupils' own words and one small step for home.

Tools for the lesson

• The whole module on the website pecuvo.eu/en/modules/digital-finance-and-security/
• The open test (9 questions) — pupils write down only their code (e.g. K4B11), no names; the class distribution is shown on the same page pecuvo.eu/en/test/
• The Glossary — terms explained simply pecuvo.eu/en/glossary/