"The DFS Consumer Competency Framework identifies the knowledge, skills and attitudes consumers need to participate actively, safely and have trust in the digital financial services ecosystem. The DFS Consumer Competency Framework is intended for use by public authorities, regulators, DFS providers and policymakers when developing consumer education/training programmes for digital financial services. The DFS Consumer Competency Framework will provide guidance to policymakers, national regulators and DFS providers when developing consumer awareness and literacy programmes as part of the DFS/financial inclusion strategy. Regulators and DFS providers can select from the skills that are critical and which are most relevant to their consumer awareness and literacy programmes." (Executive summary, page 6)