Peru's Superintendency of Banking, Insurance and Pension Funds (SBS) presented findings from its study on habits and risks among users of digital financial services, pointing to widespread use of digital wallets alongside persistent risky behaviours. In the same World Savings Week 2026 opening event, SBS announced the creation of a consultative committee to help design and implement a National Financial Education System under the National Financial Inclusion Policy. The study found that nine in ten users of digital financial services in Peru use a digital wallet and around three quarters use it daily. SBS reported that 67% of adults held an account or digital wallet in 2025, up from 42% in 2020, and that digital wallets and mobile applications accounted for a sharp rise in transactions, including 1,255 million operations in December 2025. Despite most respondents reporting protective measures, the survey identified common risk practices, including storing passwords on devices (44%), believing cutting a card is sufficient to prevent fraud (41%), and using public Wi-Fi for financial transactions (27%); it also noted that about half of users distrust the financial system and that most feel equally or less protected than three years ago. SBS linked the work to its Responsible Digital Finance Ecosystem project, developed with World Bank CGAP support, and also referenced a CAF evaluation on financial education in schools that associated teacher training with improved learning and longer-term outcomes such as a lower likelihood of delinquency and a shift toward non-revolving credit. The new consultative committee is chaired by the Ministry of Economy and Finance and includes the Ministry of Education, the Ministry of Development and Social Inclusion, Banco de la Nación and SBS.

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