Across Europe, millions of citizens remain hesitant to save and invest. Their scepticism is mostly rooted in low financial literacy, limited confidence in financial institutions, and persistent concerns about fairness, transparency, and misselling. Today, as digital finance, neobrokers, finfluencers, AI-driven financial content, and a wider variety of investment products become the norm, investing has become more accessible and user-friendly than ever before, yet it remains complex. While these innovations offer new opportunities, they can also leave some citizens unsure about…