註釋 This report (67 pages), investigates the behaviour, attitudes and experiences of New Zealand secondary students with money and financial products. It also looks at financial literacy programmes in New Zealand secondary schools and explores barriers to the implementation of financial literacy teaching. This research was prompted by the results of recent PISA findings that 15 year olds achieve the lowest level of financial literacy proficiency. The research was commissioned by the Commission for Financial Capability (previously the Commission for Financial Literacy and Retirement Income). The researchers surveyed Year 9-13 students and conducted online surveys of secondary school teachers and leaders. 