1 Money and Transactionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1_Money_and_Transactions

belongs to: Competence Domain ^c

1.1 Money and Currenciesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.1_Money_and_Currencies

belongs to: Competence Topic ^c
has facts: subdomain of ^op 1 Money and Transactions ⁿⁱ

1.1.1 Forms and use of Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.1.1_Forms_and_use_of_Money

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.1 Money and Currencies ⁿⁱ

1.1.2 Notes and Coinsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.1.2_Notes_and_Coins

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.1 Money and Currencies ⁿⁱ

1.1.3 Foreign Exchangeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.1.3_Foreign_Exchange

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.1 Money and Currencies ⁿⁱ

1.2 Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.2_Income

belongs to: Competence Topic ^c
has facts: subdomain of ^op 1 Money and Transactions ⁿⁱ

1.2.1 Sources of Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.2.1_Sources_of_Income

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.2 Income ⁿⁱ

1.2.2 Pay Slips and Income Statementsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.2.2_Pay_Slips_and_Income_Statements

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.2 Income ⁿⁱ

1.2.3 Income Needsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.2.3_Income_Needs

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.2 Income ⁿⁱ

1.2.4 Impact of Career Path on Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.2.4_Impact_of_Career_Path_on_Income

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.2 Income ⁿⁱ

1.3 Prices Purchases and Paymentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.3_Prices_Purchases_and_Payments

belongs to: Competence Topic ^c
has facts: subdomain of ^op 1 Money and Transactions ⁿⁱ

1.3.1 Pricesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.3.1_Prices

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.3 Prices Purchases and Payments ⁿⁱ

1.3.2 Price Comparisonsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.3.2_Price_Comparisons

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.3 Prices Purchases and Payments ⁿⁱ

1.3.3 Purchasesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.3.3_Purchases

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.3 Prices Purchases and Payments ⁿⁱ

1.3.4 Payment Methods and Transferring Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.3.4_Payment_Methods_and_Transferring_Money

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.3 Prices Purchases and Payments ⁿⁱ

1.3.5 Checking and Keeping Track of Payments and Purchasesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.3.5_Checking_and_Keeping_Track_of_Payments_and_Purchases

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.3 Prices Purchases and Payments ⁿⁱ

1.3.6 Implications of Purchasesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.3.6_Implications_of_Purchases

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.3 Prices Purchases and Payments ⁿⁱ

1.3.7 Sustainability Aspects of Prices and Purchasesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.3.7_Sustainability_Aspects_of_Prices_and_Purchases

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.3 Prices Purchases and Payments ⁿⁱ

1.4 Financial Records and Contractsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.4_Financial_Records_and_Contracts

belongs to: Competence Topic ^c
has facts: subdomain of ^op 1 Money and Transactions ⁿⁱ

1.4.1 Understanding and Signing Contractsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.4.1_Understanding_and_Signing_Contracts

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.4 Financial Records and Contracts ⁿⁱ

1.4.2 Financial Recordsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/1.4.2_Financial_Records

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 1.4 Financial Records and Contracts ⁿⁱ

2 Planning and managing financesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2_Planning_and_managing_finances

belongs to: Competence Domain ^c

2.1 Budgetingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.1_Budgeting

belongs to: Competence Topic ^c
has facts: subdomain of ^op 2 Planning and managing finances ⁿⁱ

2.1.1 Monitoring income and expensesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.1.1_Monitoring_income_and_expenses

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.1 Budgeting ⁿⁱ

2.1.2 Drawing a budgetⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.1.2_Drawing_a_budget

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.1 Budgeting ⁿⁱ

2.2 Managing Income and Expenditureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.2_Managing_Income_and_Expenditure

belongs to: Competence Topic ^c
has facts: subdomain of ^op 2 Planning and managing finances ⁿⁱ

2.2.1 Basics of managing income and expensesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.2.1_Basics_of_managing_income_and_expenses

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.2 Managing Income and Expenditure ⁿⁱ

2.2.2 Managing irregular and unexpected income and expensesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.2.2_Managing_irregular_and_unexpected_income_and_expenses

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.2 Managing Income and Expenditure ⁿⁱ

2.3 Savingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.3_Saving

belongs to: Competence Topic ^c
has facts: subdomain of ^op 2 Planning and managing finances ⁿⁱ

2.3.1 Saving goals and prioritiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.3.1_Saving_goals_and_priorities

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.3 Saving ⁿⁱ

2.3.2 Savings buffersⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.3.2_Savings_buffers

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.3 Saving ⁿⁱ

2.3.3 Interest ratesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.3.3_Interest_rates

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.3 Saving ⁿⁱ

2.3.4 Choosing saving productsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.3.4_Choosing_saving_products

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.3 Saving ⁿⁱ

2.3.5 Managing savingsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.3.5_Managing_savings

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.3 Saving ⁿⁱ

2.4 Investingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.4_Investing

belongs to: Competence Topic ^c
has facts: subdomain of ^op 2 Planning and managing finances ⁿⁱ

2.4.1 Basics of investingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.4.1_Basics_of_investing

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.4 Investing ⁿⁱ

2.4.2 Share and fund pricesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.4.2_Share_and_fund_prices

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.4 Investing ⁿⁱ

2.4.3 Choosing and diversifying investmentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.4.3_Choosing_and_diversifying_investments

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.4 Investing ⁿⁱ

2.4.4 Crypto assets and related digital developmentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.4.4_Crypto-assets_and_related_digital_developments

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.4 Investing ⁿⁱ

2.4.5 Shareholder rightsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.4.5_Shareholder_rights

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.4 Investing ⁿⁱ

2.4.6 Sustainable investmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.4.6_Sustainable_investment

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.4 Investing ⁿⁱ

2.4.7 Commoditiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.4.7_Commodities

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.4 Investing ⁿⁱ

2.4.8 Factors influencing investment decisionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.4.8_Factors_influencing_investment_decisions

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.4 Investing ⁿⁱ

2.5 Longer Term Planning and Asset Buildingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.5_Longer-Term_Planning_and_Asset_Building

belongs to: Competence Topic ^c
has facts: subdomain of ^op 2 Planning and managing finances ⁿⁱ

2.5.1 Basics of long term planningⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.5.1_Basics_of_long-term_planning

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.5 Longer Term Planning and Asset Building ⁿⁱ

2.6 Retirementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.6_Retirement

belongs to: Competence Topic ^c
has facts: subdomain of ^op 2 Planning and managing finances ⁿⁱ

2.6.1 Basics of pension planningⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.6.1_Basics_of_pension_planning

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.6 Retirement ⁿⁱ

2.6.2 Categories of pension productsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.6.2_Categories_of_pension_products

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.6 Retirement ⁿⁱ

2.6.3 Managing pension productsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.6.3_Managing_pension_products

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.6 Retirement ⁿⁱ

2.6.4 Sustainability considerations for pensionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.6.4_Sustainability_considerations_for_pensions

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.6 Retirement ⁿⁱ

2.7 Creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7_Credit

belongs to: Competence Topic ^c
has facts: subdomain of ^op 2 Planning and managing finances ⁿⁱ

2.7.1 Considerations before asking for creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7.1_Considerations_before_asking_for_credit

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.7 Credit ⁿⁱ

2.7.2 Guarantors and collateralⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7.2_Guarantors_and_collateral

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.7 Credit ⁿⁱ

2.7.3 Choosing creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7.3_Choosing_credit

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.7 Credit ⁿⁱ

2.7.4 Risks of taking a creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7.4_Risks_of_taking_a_credit

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.7 Credit ⁿⁱ

2.7.5 Application for credit and credit scoreⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7.5_Application_for_credit_and_credit_score

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.7 Credit ⁿⁱ

2.7.6 Repaying creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7.6_Repaying_credit

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.7 Credit ⁿⁱ

2.7.7 Renegotiating a credit agreementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7.7_Renegotiating_a_credit_agreement

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.7 Credit ⁿⁱ

2.7.8 Overdraftsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7.8_Overdrafts

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.7 Credit ⁿⁱ

2.7.9 Easy access high cost creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.7.9_Easy-access_high-cost_credit

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.7 Credit ⁿⁱ

2.8 Debt and Debt Managementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.8_Debt_and_Debt_Management

belongs to: Competence Topic ^c
has facts: subdomain of ^op 2 Planning and managing finances ⁿⁱ

2.8.1 Managing debtⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.8.1_Managing_debt

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.8 Debt and Debt Management ⁿⁱ

2.8.2 Debt accrued from late paymentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.8.2_Debt_accrued_from_late_payments

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.8 Debt and Debt Management ⁿⁱ

2.8.3 Difficulty to repay debtⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/2.8.3_Difficulty_to_repay_debt

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 2.8 Debt and Debt Management ⁿⁱ

3 Risk and rewardⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3_Risk_and_reward

belongs to: Competence Domain ^c

3.1 Identifying Risksⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.1_Identifying_Risks

belongs to: Competence Topic ^c
has facts: subdomain of ^op 3 Risk and reward ⁿⁱ

3.1.1 Basics of riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.1.1_Basics_of_risk

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.1 Identifying Risks ⁿⁱ

3.1.2 Sources of risksⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.1.2_Sources_of_risks

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.1 Identifying Risks ⁿⁱ

3.1.3 Specific risks of digital products and servicesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.1.3_Specific_risks_of_digital_products_and_services

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.1 Identifying Risks ⁿⁱ

3.2 Financial safety nets and insuranceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.2_Financial_safety_nets_and_insurance

belongs to: Competence Topic ^c
has facts: subdomain of ^op 3 Risk and reward ⁿⁱ

3.2.1 Creating a safety netⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.2.1_Creating_a_safety_net

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.2 Financial safety nets and insurance ⁿⁱ

3.2.2 Choosing insuranceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.2.2_Choosing_insurance

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.2 Financial safety nets and insurance ⁿⁱ

3.2.3 Digital insurance provisionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.2.3_Digital_insurance_provision

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.2 Financial safety nets and insurance ⁿⁱ

3.2.4 Insurance against climate related risksⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.2.4_Insurance_against_climate-related_risks

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.2 Financial safety nets and insurance ⁿⁱ

3.2.5 Government supportⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.2.5_Government_support

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.2 Financial safety nets and insurance ⁿⁱ

3.3 Balancing Risk and Rewardⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.3_Balancing_Risk_and_Reward

belongs to: Competence Topic ^c
has facts: subdomain of ^op 3 Risk and reward ⁿⁱ

3.3.1 Relationship between risk and rewardⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.3.1_Relationship_between_risk_and_reward

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.3 Balancing Risk and Reward ⁿⁱ

3.3.2 Sustainability implications on risk and rewardⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/3.3.2_Sustainability_implications_on_risk_and_reward

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 3.3 Balancing Risk and Reward ⁿⁱ

4 Financial Landscapeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4_Financial_Landscape

belongs to: Competence Domain ^c

4.1 Regulation and Consumer Protectionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.1_Regulation_and_Consumer_Protection

belongs to: Competence Topic ^c
has facts: subdomain of ^op 4 Financial Landscape ⁿⁱ

4.1.1 Consumer Protection Regulationsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.1.1_Consumer_Protection_Regulations

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.1 Regulation and Consumer Protection ⁿⁱ

4.1.2 Complaintsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.1.2_Complaints

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.1 Regulation and Consumer Protection ⁿⁱ

4.1.3 Personal Data Protectionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.1.3_Personal_Data_Protection

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.1 Regulation and Consumer Protection ⁿⁱ

4.2 Rights and Responsibilitiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.2_Rights_and_Responsibilities

belongs to: Competence Topic ^c
has facts: subdomain of ^op 4 Financial Landscape ⁿⁱ

4.2.1 Consumer rights and responsibilitiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.2.1_Consumer_rights_and_responsibilities

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.2 Rights and Responsibilities ⁿⁱ

4.3 Financial Education Information and Adviceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.3_Financial_Education_Information_and_Advice

belongs to: Competence Topic ^c
has facts: subdomain of ^op 4 Financial Landscape ⁿⁱ

4.3.1 Financial Informationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.3.1_Financial_Information

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.3 Financial Education Information and Advice ⁿⁱ

4.3.2 Financial Educationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.3.2_Financial_Education

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.3 Financial Education Information and Advice ⁿⁱ

4.3.3 Financial Adviceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.3.3_Financial_Advice

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.3 Financial Education Information and Advice ⁿⁱ

4.3.4 Discussing financial mattersⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.3.4_Discussing_financial_matters

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.3 Financial Education Information and Advice ⁿⁱ

4.4 Financial Products and Servicesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.4_Financial_Products_and_Services

belongs to: Competence Topic ^c
has facts: subdomain of ^op 4 Financial Landscape ⁿⁱ

4.4.1 Characteristics of Financial Products and Servicesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.4.1_Characteristics_of_Financial_Products_and_Services

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.4 Financial Products and Services ⁿⁱ

4.4.2 Offers from non financial entitiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.4.2_Offers_from_non-financial_entities

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.4 Financial Products and Services ⁿⁱ

4.4.3 Sustainability Preferencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.4.3_Sustainability_Preferences

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.4 Financial Products and Services ⁿⁱ

4.4.4 Sustainability Labels and Standardsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.4.4_Sustainability_Labels_and_Standards

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.4 Financial Products and Services ⁿⁱ

4.4.5 Disclosureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.4.5_Disclosure

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.4 Financial Products and Services ⁿⁱ

4.5 Scams and Fraudⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.5_Scams_and_Fraud

belongs to: Competence Topic ^c
has facts: subdomain of ^op 4 Financial Landscape ⁿⁱ

4.5.1 Scams and Fraudⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.5.1_Scams_and_Fraud

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.5 Scams and Fraud ⁿⁱ

4.5.2 Greenwashingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.5.2_Greenwashing

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.5 Scams and Fraud ⁿⁱ

4.5.3 Personal Data Scams and Fraudⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.5.3_Personal_Data_Scams_and_Fraud

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.5 Scams and Fraud ⁿⁱ

4.5.4 Reporting Scams and Fraudsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.5.4_Reporting_Scams_and_Frauds

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.5 Scams and Fraud ⁿⁱ

4.6 Tax and Public Spendingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.6_Tax_and_Public_Spending

belongs to: Competence Topic ^c
has facts: subdomain of ^op 4 Financial Landscape ⁿⁱ

4.6.1 Taxes and tax treatmentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.6.1_Taxes_and_tax_treatments

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.6 Tax and Public Spending ⁿⁱ

4.7 External Influencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.7_External_Influences

belongs to: Competence Topic ^c
has facts: subdomain of ^op 4 Financial Landscape ⁿⁱ

4.7.1 External Influencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.7.1_External_Influences

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.7 External Influences ⁿⁱ

4.7.2 Macroeconomic Impact on Personal Financeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.7.2_Macroeconomic_Impact_on_Personal_Finance

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.7 External Influences ⁿⁱ

4.7.3 Advertisingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.7.3_Advertising

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.7 External Influences ⁿⁱ

4.7.4 Broader sustainability impact of personal finance decisionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/4.7.4_Broader_sustainability_impact_of_personal_finance_decisions

belongs to: Competence SubTopic ^c
has facts: subdomain of ^op 4.7 External Influences ⁿⁱ

Awareness, Knowledge and Understandingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/Awareness_Knowledge_and_Understanding

The dimension awareness/knowledge/understanding covers competences that are related to knowledge or informational aspects (to be aware of certain information or to be knowledgeable about a topic)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence Type ^c
has facts: version Info ^ap "0.1"

Competences Concerning Large Populationsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/Large_Population_Competences

In order to make the framework easier to navigate and use for policy makers and practitioners, it specifies competences that are particularly relevant to: (i) daily life and/or to current or future financial well-being; and to (ii) a majority of the adult population. For instance, most of the competences in the ‘money and transactions’, ‘planning and managing finances’ or ‘financial landscape’ content area, as well as some competences in the “risk and reward” content area (e.g. insurance and safety nets) are relevant for the daily life of most adults (i.e. relevant for (i) and (ii)). In contrast, competences related to foreign exchange are relevant only for certain adults (i.e. only relevant for (i))

belongs to: Competence Context ^c

Confidence, Motivation and Attitudesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/Confidence_Motivation_and_Attitudes

The category confidence/motivation/attitudes seeks to capture the internal decision-making that supports or hinders financial behaviour to achieve or maintain financial well-being.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence Type ^c
has facts: version Info ^ap "0.1"

Daily Life Competencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/Daily_Life_Competences

In order to make the framework easier to navigate and use for policy makers and practitioners, it specifies competences that are particularly relevant to: (i) daily life and/or to current or future financial well-being; and to (ii) a majority of the adult population. For instance, most of the competences in the ‘money and transactions’, ‘planning and managing finances’ or ‘financial landscape’ content area, as well as some competences in the “risk and reward” content area (e.g. insurance and safety nets) are relevant for the daily life of most adults (i.e. relevant for (i) and (ii)). In contrast, competences related to foreign exchange are relevant only for certain adults (i.e. only relevant for (i))

belongs to: Competence Context ^c

Digital Competencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/Digital_Competences

Digital financial competences refer to competences related to digital financial services, digital tools relevant for personal finance, digital assets or any other competence related to digital media with relevance for personal finance. Digital competences are cross-cutting and relevant across the framework. These competences are therefore integrated horizontally throughout the content areas and sections instead of being grouped in a specific section on digital financial competences. Particular attention has been devoted to formulating competences in a flexible way to take into account potential future developments. Examples of digital financial competences that have been added include competences on digital currencies, digital tools and payment methods, crypto-assets, personal data and personal data protection, digital financial products and services, robo advice, online scams and fraud, and cyber risks.

belongs to: Competence Context ^c

FCO.1ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.1

Aware that money can take different forms

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.1.1 Forms and use of Money ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; relates to ^op FCO.Concept.305 - Money ⁿⁱ; relates to ^op FCO.Concept.447 - Storage of Money ⁿⁱ; relates to ^op FCO.Concept.64 - Counterfeit Money ⁿⁱ; version Info ^ap "0.1"

FCO.10ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.10

Exchanges obsolete notes and coins for new ones within time limit set for such an exchange

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.1.2 Notes and Coins ⁿⁱ; relates to ^op FCO.Concept.141 - Exchange Rate ⁿⁱ; relates to ^op FCO.Concept.305 - Money ⁿⁱ; relates to ^op FCO.Concept.41 - Coins ⁿⁱ; relates to ^op FCO.Concept.64 - Counterfeit Money ⁿⁱ; version Info ^ap "0.1"

FCO.100ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.100

Aware that purchased goods or services might have different environmental and social impacts

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.7 Sustainability Aspects of Prices and Purchases ⁿⁱ; relates to ^op FCO.Concept.135 - Environmental Footprint ⁿⁱ; relates to ^op FCO.Concept.436 - Social Impact ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.101ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.101

Factors one's environmental, social and governance preferences in the decision to purchase a good or a service

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.7 Sustainability Aspects of Prices and Purchases ⁿⁱ; relates to ^op FCO.Concept.207 - Governance Preferences ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.102ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.102

Motivated to learn more about the origin, production conditions, environmental and social impacts of a good or service if relevant, as well as the governance performance of the company offering it

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.7 Sustainability Aspects of Prices and Purchases ⁿⁱ; relates to ^op FCO.Concept.21 - Benefits ⁿⁱ; relates to ^op FCO.Concept.453 - Supply Chain ⁿⁱ; relates to ^op FCO.Concept.458 - Sustainability Factors ⁿⁱ; relates to ^op FCO.Concept.61 - Corporate Governance ⁿⁱ; version Info ^ap "0.1"

FCO.103ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.103

Motivated when applicable to question the information about environmental and social impacts, and governance performance disclosed by the seller if relevant

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.7 Sustainability Aspects of Prices and Purchases ⁿⁱ; relates to ^op FCO.Concept.208 - Governance Risks ⁿⁱ; relates to ^op FCO.Concept.214 - Greenwashing ⁿⁱ; relates to ^op FCO.Concept.61 - Corporate Governance ⁿⁱ; version Info ^ap "0.1"

FCO.104ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.104

Understands the legal implications of signing a contract or agreeing to the terms and conditions when buying an asset, a product or service

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.4.1 Understanding and Signing Contracts ⁿⁱ; relates to ^op FCO.Concept.285 - Legal Tender ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.58 - Contractual Obligations ⁿⁱ; relates to ^op FCO.Concept.7 - Agreement ⁿⁱ; version Info ^ap "0.1"

FCO.105ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.105

Understands that an electronic signature can have the same legal value as a signature in person

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.4.1 Understanding and Signing Contracts ⁿⁱ; relates to ^op FCO.Concept.131 - Electronic Signature ⁿⁱ; relates to ^op FCO.Concept.285 - Legal Tender ⁿⁱ; relates to ^op FCO.Concept.286 - Legal Value ⁿⁱ; version Info ^ap "0.1"

FCO.106ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.106

If comfortable, signs contracts in paper or, where relevant, in electronic form

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.4.1 Understanding and Signing Contracts ⁿⁱ; relates to ^op FCO.Concept.129 - Electronic Form ⁿⁱ; relates to ^op FCO.Concept.131 - Electronic Signature ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; version Info ^ap "0.1"

FCO.107ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.107

Checks financial records and contracts before filing them in an orderly and accessible way

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.4.1 Understanding and Signing Contracts ⁿⁱ; relates to ^op FCO.Concept.109 - Disclosure Documents ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; relates to ^op FCO.Concept.177 - Financial Record ⁿⁱ; version Info ^ap "0.1"

FCO.108ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.108

If needed, willing to ask for advice before signing a contract in paper or, where relevant, in electronic form.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.4.1 Understanding and Signing Contracts ⁿⁱ; relates to ^op FCO.Concept.118 - Documentation ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.332 - Paper Contract ⁿⁱ; relates to ^op FCO.Concept.364 - Potential Purchase ⁿⁱ; relates to ^op FCO.Concept.379 - Prospectus ⁿⁱ; relates to ^op FCO.Concept.475 - Term Sheet ⁿⁱ; version Info ^ap "0.1"

FCO.109ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.109

Aware of the importance of keeping certain documents in a place where they can be referred to if necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.4.2 Financial Records ⁿⁱ; relates to ^op FCO.Concept.109 - Disclosure Documents ⁿⁱ; relates to ^op FCO.Concept.118 - Documentation ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; version Info ^ap "0.1"

FCO.11ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.11

Has developed the right attitude when confronted with counterfeit money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.1.2 Notes and Coins ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.201 - Fraud ⁿⁱ; relates to ^op FCO.Concept.64 - Counterfeit Money ⁿⁱ; version Info ^ap "0.1"

FCO.110ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.110

In the case of documents in electronic format, is aware of the existence of cloud storage and of the implications of storing documents on cloud storage facilities (e.g. security and cost implications)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.4.2 Financial Records ⁿⁱ; relates to ^op FCO.Concept.128 - Electronic Documents ⁿⁱ; relates to ^op FCO.Concept.39 - Cloud Storage ⁿⁱ; relates to ^op FCO.Concept.446 - Storage Facility ⁿⁱ; version Info ^ap "0.1"

FCO.111ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.111

Can retrieve documents when necessary, including if they are stored on cloud storage facilities

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.4.2 Financial Records ⁿⁱ; relates to ^op FCO.Concept.116 - Document Archive ⁿⁱ; relates to ^op FCO.Concept.117 - Document Backup ⁿⁱ; relates to ^op FCO.Concept.39 - Cloud Storage ⁿⁱ; relates to ^op FCO.Concept.446 - Storage Facility ⁿⁱ; version Info ^ap "0.1"

FCO.112ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.112

Queries uncertainties relating to financial records and contracts and asks for any errors to be corrected

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.4.2 Financial Records ⁿⁱ; relates to ^op FCO.Concept.119 - Documentation Accuracy ⁿⁱ; relates to ^op FCO.Concept.177 - Financial Record ⁿⁱ; relates to ^op FCO.Concept.370 - Price Disclosure ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; version Info ^ap "0.1"

FCO.113ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.113

Asks for financial records and written contracts when not provided

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.4.2 Financial Records ⁿⁱ; relates to ^op FCO.Concept.109 - Disclosure Documents ⁿⁱ; relates to ^op FCO.Concept.120 - Documentation Completeness ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; relates to ^op FCO.Concept.177 - Financial Record ⁿⁱ; version Info ^ap "0.1"

FCO.114ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.114

Keeps multiple backups of financial records, including in electronic format

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.4.2 Financial Records ⁿⁱ; relates to ^op FCO.Concept.130 - Electronic Format ⁿⁱ; relates to ^op FCO.Concept.16 - Backup Policy ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; relates to ^op FCO.Concept.177 - Financial Record ⁿⁱ; version Info ^ap "0.1"

FCO.115ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.115

Aware that very recent transactions may not yet have been reflected in the latest consulted financial statement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.1.1 Monitoring income and expenses ⁿⁱ; relates to ^op FCO.Concept.231 - Income Statement ⁿⁱ; relates to ^op FCO.Concept.317 - Ongoing Payments ⁿⁱ; relates to ^op FCO.Concept.391 - Recent Transaction ⁿⁱ; version Info ^ap "0.1"

FCO.116ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.116

Regularly tracks expenses and expenditure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.1.1 Monitoring income and expenses ⁿⁱ; relates to ^op FCO.Concept.143 - Expenditure ⁿⁱ; relates to ^op FCO.Concept.145 - Expenses ⁿⁱ; relates to ^op FCO.Concept.278 - Irregular Expenses ⁿⁱ; version Info ^ap "0.1"

FCO.117ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.117

Distinguishes between fixed and variable expenditure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.1.1 Monitoring income and expenses ⁿⁱ; relates to ^op FCO.Concept.143 - Expenditure ⁿⁱ; relates to ^op FCO.Concept.145 - Expenses ⁿⁱ; relates to ^op FCO.Concept.192 - Fixed versus Variable Expenditure ⁿⁱ; relates to ^op FCO.Concept.501 - Variable Expenditure ⁿⁱ; version Info ^ap "0.1"

FCO.118ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.118

Treats essential spending as a higher priority than discretionary spending

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.1.1 Monitoring income and expenses ⁿⁱ; relates to ^op FCO.Concept.111 - Discretionary Expenditure ⁿⁱ; relates to ^op FCO.Concept.138 - Essential Spending ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.119ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.119

Keeps any business income and expenditure separate from that of the household

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.1.1 Monitoring income and expenses ⁿⁱ; relates to ^op FCO.Concept.219 - Household Assets ⁿⁱ; relates to ^op FCO.Concept.223 - Household Finances ⁿⁱ; relates to ^op FCO.Concept.224 - Household Income ⁿⁱ; relates to ^op FCO.Concept.33 - Business Income ⁿⁱ; version Info ^ap "0.1"

FCO.12ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.12

Knows how to apply exchange rates to convert currencies

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.1.3 Foreign Exchange ⁿⁱ; relates to ^op FCO.Concept.141 - Exchange Rate ⁿⁱ; relates to ^op FCO.Concept.59 - Convert Prices ⁿⁱ; relates to ^op FCO.Concept.83 - Currency ⁿⁱ; relates to ^op FCO.Concept.84 - Currency Converter ⁿⁱ; version Info ^ap "0.1"

FCO.120ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.120

Knows what a budget is, how to create one and why it is beneficial to do so

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.154 - Financial Budget ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.121ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.121

Aware of reliable budgeting tools developed by impartial providers, including mobile apps and other digital budgeting tools and services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.220 - Household Budget ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.122ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.122

Understands why it is important to take into account the medium and longer-term perspectives when budgeting

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.30 - Budgeting Horizon ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; relates to ^op FCO.Concept.441 - Spending ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.123ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.123

Identifies “needs” and “wants” and prioritizes as necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.238 - Individual Needs ⁿⁱ; relates to ^op FCO.Concept.356 - Personal Priorities ⁿⁱ; version Info ^ap "0.1"

FCO.124ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.124

Creates a regular budget to plan income, saving and expenditure, using appropriate tools if available

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.220 - Household Budget ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; version Info ^ap "0.1"

FCO.125ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.125

Regularly uses reliable budgeting tools, including mobile apps or other digital tools, developed by impartial providers

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.107 - Digital Tools ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.126ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.126

Motivated to take time to create and follow a budget as a strategy for maintaining or increasing financial well-being

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; version Info ^ap "0.1"

FCO.127ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.127

Motivated to consider the overall budget when making spending decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; relates to ^op FCO.Concept.441 - Spending ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.128ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.128

Motivated to look beyond immediate needs and wants when budgeting to prepare for longer-term requirements

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.30 - Budgeting Horizon ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; relates to ^op FCO.Concept.409 - Risk Horizon ⁿⁱ; version Info ^ap "0.1"

FCO.129ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.129

Confident to adjust a budget if necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.1.2 Drawing a budget ⁿⁱ; relates to ^op FCO.Concept.220 - Household Budget ⁿⁱ; relates to ^op FCO.Concept.27 - Budget Adjustments ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.13ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.13

Knows that transaction fees, commission and exchange rates vary across time and providers

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.1.3 Foreign Exchange ⁿⁱ; relates to ^op FCO.Concept.141 - Exchange Rate ⁿⁱ; relates to ^op FCO.Concept.148 - Fees ⁿⁱ; relates to ^op FCO.Concept.486 - Transaction Fees ⁿⁱ; version Info ^ap "0.1"

FCO.130ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.130

Understands why it is important to actively manage money in addition to monitoring income and expenses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.2.1 Basics of managing income and expenses ⁿⁱ; relates to ^op FCO.Concept.168 - Financial Management ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; version Info ^ap "0.1"

FCO.131ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.131

Aware that family, community and socio-cultural values and customs can influence the way in which people manage their money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.2.1 Basics of managing income and expenses ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; relates to ^op FCO.Concept.447 - Storage of Money ⁿⁱ; version Info ^ap "0.1"

FCO.132ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.132

Compares actual expenses against budgeted amounts and makes adjustments to the budget or to expenses where necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.2.1 Basics of managing income and expenses ⁿⁱ; relates to ^op FCO.Concept.143 - Expenditure ⁿⁱ; relates to ^op FCO.Concept.145 - Expenses ⁿⁱ; relates to ^op FCO.Concept.29 - Budget versus Actual Analysis ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; version Info ^ap "0.1"

FCO.133ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.133

Seeks ways of adjusting income or expenditure as necessary, taking into account occasional expenses such as gifts, donations or holidays.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.2.1 Basics of managing income and expenses ⁿⁱ; relates to ^op FCO.Concept.144 - Expense Management ⁿⁱ; relates to ^op FCO.Concept.145 - Expenses ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.31 - Budgeting Tool ⁿⁱ; version Info ^ap "0.1"

FCO.134ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.134

Confident to make independent decisions about income and expenditure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.2.1 Basics of managing income and expenses ⁿⁱ; relates to ^op FCO.Concept.236 - Independent Decisions ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; relates to ^op FCO.Concept.450 - Sufficient Income ⁿⁱ; version Info ^ap "0.1"

FCO.135ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.135

Confident to set personal priorities in terms of essential and discretionary expenditure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.2.1 Basics of managing income and expenses ⁿⁱ; relates to ^op FCO.Concept.111 - Discretionary Expenditure ⁿⁱ; relates to ^op FCO.Concept.138 - Essential Spending ⁿⁱ; relates to ^op FCO.Concept.356 - Personal Priorities ⁿⁱ; version Info ^ap "0.1"

FCO.136ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.136

Accepts the responsibility of managing individual and possibly household finances

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.2.1 Basics of managing income and expenses ⁿⁱ; relates to ^op FCO.Concept.223 - Household Finances ⁿⁱ; relates to ^op FCO.Concept.237 - Individual Finances ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; version Info ^ap "0.1"

FCO.137ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.137

Comfortable discussing planning and managing finances with significant others

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.2.1 Basics of managing income and expenses ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; version Info ^ap "0.1"

FCO.138ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.138

Confident to act on behalf of others to manage their financial affairs if given the legal responsibility to do so

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.2.1 Basics of managing income and expenses ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.168 - Financial Management ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; version Info ^ap "0.1"

FCO.139ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.139

Understands that different life stages and particular personal or household events may affect income and expenditure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.2.2 Managing irregular and unexpected income and expenses ⁿⁱ; relates to ^op FCO.Concept.221 - Household Events ⁿⁱ; relates to ^op FCO.Concept.223 - Household Finances ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.290 - Life Stage Planning ⁿⁱ; version Info ^ap "0.1"

FCO.14ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.14

Understands the impact of varying exchange rates on remittances, foreign travel or foreign purchases

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.1.3 Foreign Exchange ⁿⁱ; relates to ^op FCO.Concept.141 - Exchange Rate ⁿⁱ; relates to ^op FCO.Concept.197 - Foreign Currency ⁿⁱ; relates to ^op FCO.Concept.199 - Foreign Purchase ⁿⁱ; relates to ^op FCO.Concept.398 - Remittance ⁿⁱ; relates to ^op FCO.Concept.83 - Currency ⁿⁱ; version Info ^ap "0.1"

FCO.140ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.140

Understands the importance of actively planning for occasional irregular expenses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.2.2 Managing irregular and unexpected income and expenses ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.278 - Irregular Expenses ⁿⁱ; relates to ^op FCO.Concept.492 - Unexpected Expenses ⁿⁱ; version Info ^ap "0.1"

FCO.141ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.141

Understands the possible options for paying unexpected expenses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.2.2 Managing irregular and unexpected income and expenses ⁿⁱ; relates to ^op FCO.Concept.145 - Expenses ⁿⁱ; relates to ^op FCO.Concept.278 - Irregular Expenses ⁿⁱ; relates to ^op FCO.Concept.491 - Unexpected Expense ⁿⁱ; version Info ^ap "0.1"

FCO.142ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.142

Knows how much money would be needed to cover expenses in the event of a loss of income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.2.2 Managing irregular and unexpected income and expenses ⁿⁱ; relates to ^op FCO.Concept.112 - Disposable Income ⁿⁱ; relates to ^op FCO.Concept.145 - Expenses ⁿⁱ; relates to ^op FCO.Concept.278 - Irregular Expenses ⁿⁱ; relates to ^op FCO.Concept.296 - Loss of Income ⁿⁱ; version Info ^ap "0.1"

FCO.143ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.143

Seeks ways of adjusting income or expenditure as necessary, taking into account occasional expenses and possible income fluctuations

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.2.2 Managing irregular and unexpected income and expenses ⁿⁱ; relates to ^op FCO.Concept.112 - Disposable Income ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.234 - Income Variability ⁿⁱ; relates to ^op FCO.Concept.278 - Irregular Expenses ⁿⁱ; version Info ^ap "0.1"

FCO.144ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.144

Can identify and choose the best option for paying unexpected expenses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.2.2 Managing irregular and unexpected income and expenses ⁿⁱ; relates to ^op FCO.Concept.145 - Expenses ⁿⁱ; relates to ^op FCO.Concept.278 - Irregular Expenses ⁿⁱ; relates to ^op FCO.Concept.491 - Unexpected Expense ⁿⁱ; version Info ^ap "0.1"

FCO.145ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.145

Makes informed decisions about the use of exceptional income and assets received such as gifts, prizes or inheritance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.2.2 Managing irregular and unexpected income and expenses ⁿⁱ; relates to ^op FCO.Concept.140 - Exceptional Income ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.146ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.146

Understands the benefits of saving, of having savings goals and a plan to achieve them

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.1 Saving goals and priorities ⁿⁱ; relates to ^op FCO.Concept.418 - Savings ⁿⁱ; relates to ^op FCO.Concept.422 - Savings Goal ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.425 - Savings Target ⁿⁱ; version Info ^ap "0.1"

FCO.147ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.147

Understands the benefits of starting to save from a young age and saving regularly

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.1 Saving goals and priorities ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; relates to ^op FCO.Concept.418 - Savings ⁿⁱ; relates to ^op FCO.Concept.422 - Savings Goal ⁿⁱ; version Info ^ap "0.1"

FCO.148ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.148

Understands the concept of treating personal saving as a financial commitment, sometimes described as “pay yourself first”

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.1 Saving goals and priorities ⁿⁱ; relates to ^op FCO.Concept.155 - Financial Commitment ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; version Info ^ap "0.1"

FCO.149ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.149

Identifies a specific savings goal with a time frame and an approach to achieve it

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.1 Saving goals and priorities ⁿⁱ; relates to ^op FCO.Concept.422 - Savings Goal ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.425 - Savings Target ⁿⁱ; version Info ^ap "0.1"

FCO.15ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.15

Aware of the existence of currency converter tools

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.1.3 Foreign Exchange ⁿⁱ; relates to ^op FCO.Concept.60 - Converter Tool ⁿⁱ; relates to ^op FCO.Concept.83 - Currency ⁿⁱ; relates to ^op FCO.Concept.84 - Currency Converter ⁿⁱ; version Info ^ap "0.1"

FCO.150ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.150

Strives to save each time income is received

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.1 Saving goals and priorities ⁿⁱ; relates to ^op FCO.Concept.112 - Disposable Income ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; version Info ^ap "0.1"

FCO.151ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.151

Prioritises saving ahead of some forms of discretionary spending

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.1 Saving goals and priorities ⁿⁱ; relates to ^op FCO.Concept.111 - Discretionary Expenditure ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.152ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.152

Confident to set own savings targets based on realistic aspirations and believes it is possible to reach those saving targets

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.3.1 Saving goals and priorities ⁿⁱ; relates to ^op FCO.Concept.389 - Realistic Aspirations ⁿⁱ; relates to ^op FCO.Concept.422 - Savings Goal ⁿⁱ; relates to ^op FCO.Concept.425 - Savings Target ⁿⁱ; version Info ^ap "0.1"

FCO.153ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.153

Sees saving as a basic component of a household budget

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.3.1 Saving goals and priorities ⁿⁱ; relates to ^op FCO.Concept.220 - Household Budget ⁿⁱ; relates to ^op FCO.Concept.223 - Household Finances ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; version Info ^ap "0.1"

FCO.154ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.154

Understands the benefit of having emergency savings to cover financial shocks

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.2 Savings buffers ⁿⁱ; relates to ^op FCO.Concept.132 - Emergency Savings ⁿⁱ; relates to ^op FCO.Concept.188 - Financial Shock ⁿⁱ; relates to ^op FCO.Concept.422 - Savings Goal ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; version Info ^ap "0.1"

FCO.155ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.155

Some savings in a highly accessible or liquid form

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.2 Savings buffers ⁿⁱ; relates to ^op FCO.Concept.12 - Asset Liquidity ⁿⁱ; relates to ^op FCO.Concept.420 - Savings Account ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.424 - Savings Product ⁿⁱ; version Info ^ap "0.1"

FCO.156ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.156

Takes steps to have emergency savings to manage financial shocks

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.2 Savings buffers ⁿⁱ; relates to ^op FCO.Concept.132 - Emergency Savings ⁿⁱ; relates to ^op FCO.Concept.188 - Financial Shock ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; version Info ^ap "0.1"

FCO.157ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.157

Values the additional financial resilience created through saving

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.3.2 Savings buffers ⁿⁱ; relates to ^op FCO.Concept.132 - Emergency Savings ⁿⁱ; relates to ^op FCO.Concept.180 - Financial Resilience ⁿⁱ; relates to ^op FCO.Concept.422 - Savings Goal ⁿⁱ; version Info ^ap "0.1"

FCO.158ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.158

Satisfied with current savings buffer or motivated to increase it

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.3.2 Savings buffers ⁿⁱ; relates to ^op FCO.Concept.421 - Savings Buffer ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.86 - Current Savings ⁿⁱ; version Info ^ap "0.1"

FCO.159ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.159

Understands the impact of compound interest on savings and the savings methods that make it possible to benefit from it

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.3 Interest rates ⁿⁱ; relates to ^op FCO.Concept.420 - Savings Account ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.50 - Compound Interest ⁿⁱ; relates to ^op FCO.Concept.86 - Current Savings ⁿⁱ; version Info ^ap "0.1"

FCO.16ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.16

Can convert prices expressed in different currencies

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.1.3 Foreign Exchange ⁿⁱ; relates to ^op FCO.Concept.141 - Exchange Rate ⁿⁱ; relates to ^op FCO.Concept.369 - Price Conversion ⁿⁱ; relates to ^op FCO.Concept.84 - Currency Converter ⁿⁱ; version Info ^ap "0.1"

FCO.160ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.160

Continues to save even in a low interest rate environment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.3 Interest rates ⁿⁱ; relates to ^op FCO.Concept.254 - Interest Rate Level ⁿⁱ; relates to ^op FCO.Concept.420 - Savings Account ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.86 - Current Savings ⁿⁱ; version Info ^ap "0.1"

FCO.161ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.161

Takes care to consider the real interest rate on savings held

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.3 Interest rates ⁿⁱ; relates to ^op FCO.Concept.387 - Real Interest Rate ⁿⁱ; relates to ^op FCO.Concept.420 - Savings Account ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.86 - Current Savings ⁿⁱ; version Info ^ap "0.1"

FCO.162ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.162

Uses reliable and impartial digital comparison tools to compare interest rates, fees and other characteristic of saving account options and evaluate their impact on savings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.3 Interest rates ⁿⁱ; relates to ^op FCO.Concept.104 - Digital Comparison ⁿⁱ; relates to ^op FCO.Concept.420 - Savings Account ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; version Info ^ap "0.1"

FCO.163ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.163

Knows about the different savings options available [or can find out easily]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.420 - Savings Account ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.86 - Current Savings ⁿⁱ; version Info ^ap "0.1"

FCO.164ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.164

Knows that different savings products may offer different combinations of fees, interest rates and tax relief and imply different types of risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.420 - Savings Account ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.424 - Savings Product ⁿⁱ; version Info ^ap "0.1"

FCO.165ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.165

Knows that savings products may have different sustainability characteristics (environmental, social and corporate governance aspects)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.424 - Savings Product ⁿⁱ; relates to ^op FCO.Concept.455 - Sustainability Aspects ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; relates to ^op FCO.Concept.465 - Sustainable Savings Products ⁿⁱ; version Info ^ap "0.1"

FCO.166ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.166

Knows where to access suitable savings products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.420 - Savings Account ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.424 - Savings Product ⁿⁱ; version Info ^ap "0.1"

FCO.167ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.167

Understands that the choice of a particular savings or investing option may partly depend on the anticipated time horizon for reaching a savings goal

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.422 - Savings Goal ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.477 - Time Horizon ⁿⁱ; version Info ^ap "0.1"

FCO.168ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.168

Knows how to assess the security of different savings methods

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.420 - Savings Account ⁿⁱ; relates to ^op FCO.Concept.422 - Savings Goal ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; version Info ^ap "0.1"

FCO.169ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.169

Knows that funds deposited on a bank account up to 100,000 EUR per person and per institution are protected under the deposit guarantee scheme

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.103 - Deposit Guarantee ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; relates to ^op FCO.Concept.273 - Investment Scheme ⁿⁱ; version Info ^ap "0.1"

FCO.17ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.17

Takes into account fees and the exchange rate when deciding how to remit or exchange money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.1.3 Foreign Exchange ⁿⁱ; relates to ^op FCO.Concept.141 - Exchange Rate ⁿⁱ; relates to ^op FCO.Concept.148 - Fees ⁿⁱ; relates to ^op FCO.Concept.486 - Transaction Fees ⁿⁱ; version Info ^ap "0.1"

FCO.170ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.170

Takes precautions to keep saved money safe

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.132 - Emergency Savings ⁿⁱ; relates to ^op FCO.Concept.183 - Financial Safety ⁿⁱ; relates to ^op FCO.Concept.309 - Money Security ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; version Info ^ap "0.1"

FCO.171ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.171

Chooses saving products in line with one’s preferences, including sustainability preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.454 - Sustainability ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.172ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.172

Confident in choosing savings products in line with one’s preferences, including sustainability preferences, or asking advice if needed

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.3.4 Choosing saving products ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.424 - Savings Product ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.173ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.173

Aware of reliable digital tools developed by impartial providers designed to help save on a regular basis

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.3.5 Managing savings ⁿⁱ; relates to ^op FCO.Concept.105 - Digital Insurance ⁿⁱ; relates to ^op FCO.Concept.107 - Digital Tools ⁿⁱ; relates to ^op FCO.Concept.480 - Tools ⁿⁱ; version Info ^ap "0.1"

FCO.174ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.174

Monitors the growth of savings and makes adjustments if necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.5 Managing savings ⁿⁱ; relates to ^op FCO.Concept.421 - Savings Buffer ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.86 - Current Savings ⁿⁱ; version Info ^ap "0.1"

FCO.175ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.175

Keeps informed about existing personal financial management tools

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.5 Managing savings ⁿⁱ; relates to ^op FCO.Concept.168 - Financial Management ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; relates to ^op FCO.Concept.353 - Personal Financial Management ⁿⁱ; version Info ^ap "0.1"

FCO.176ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.176

Uses reliable and impartial digital tools to support saving decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.3.5 Managing savings ⁿⁱ; relates to ^op FCO.Concept.107 - Digital Tools ⁿⁱ; relates to ^op FCO.Concept.418 - Savings ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; version Info ^ap "0.1"

FCO.177ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.177

Motivated to use tools that support financial decision making and improve one’s financial behaviour

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.3.5 Managing savings ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; version Info ^ap "0.1"

FCO.178ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.178

Knows the difference between saving and investing, and between debt and equity

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.137 - Equity ⁿⁱ; relates to ^op FCO.Concept.166 - Financial Investment ⁿⁱ; relates to ^op FCO.Concept.256 - Investing ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; version Info ^ap "0.1"

FCO.179ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.179

Aware that some forms of investment are more liquid than others

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.292 - Liquidity ⁿⁱ; version Info ^ap "0.1"

FCO.18ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.18

Confident to handle transactions in different currencies

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.1.3 Foreign Exchange ⁿⁱ; relates to ^op FCO.Concept.197 - Foreign Currency ⁿⁱ; relates to ^op FCO.Concept.483 - Transaction ⁿⁱ; relates to ^op FCO.Concept.83 - Currency ⁿⁱ; relates to ^op FCO.Concept.84 - Currency Converter ⁿⁱ; version Info ^ap "0.1"

FCO.180ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.180

Knows that the value of an investment may increase or decrease

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.302 - Market Volatility ⁿⁱ; relates to ^op FCO.Concept.372 - Price Volatility ⁿⁱ; relates to ^op FCO.Concept.500 - Value Investment ⁿⁱ; version Info ^ap "0.1"

FCO.181ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.181

Knows that different types of fees and charges (one-time and ongoing, direct and indirect) can have a substantial impact on the performance of an investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.148 - Fees ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.263 - Investment Fees ⁿⁱ; relates to ^op FCO.Concept.271 - Investment Return ⁿⁱ; relates to ^op FCO.Concept.486 - Transaction Fees ⁿⁱ; version Info ^ap "0.1"

FCO.182ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.182

Understands how changes in inflation, interest rates and/or exchange rates may impact on longer-term plans

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.239 - Inflation ⁿⁱ; version Info ^ap "0.1"

FCO.183ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.183

Understands the difference between potential (unrealised) and realised losses or gains

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.363 - Potential Investment ⁿⁱ; relates to ^op FCO.Concept.388 - Realised Losses ⁿⁱ; relates to ^op FCO.Concept.495 - Unrealised Gains and Losses ⁿⁱ; version Info ^ap "0.1"

FCO.184ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.184

Aware of the additional risks of making uninformed investment decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; relates to ^op FCO.Concept.493 - Uninformed Investment ⁿⁱ; version Info ^ap "0.1"

FCO.185ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.185

Understands basic investing concepts such as time-value of money, risk tolerance, investment horizon, and investment objectives

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.256 - Investing ⁿⁱ; relates to ^op FCO.Concept.257 - Investing Concepts ⁿⁱ; relates to ^op FCO.Concept.264 - Investment Horizon ⁿⁱ; relates to ^op FCO.Concept.267 - Investment Objectives ⁿⁱ; relates to ^op FCO.Concept.274 - Investment Strategy ⁿⁱ; relates to ^op FCO.Concept.412 - Risk Tolerance ⁿⁱ; version Info ^ap "0.1"

FCO.186ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.186

Can calculate the proportionate increase or decrease of the value of an investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.275 - Investment Value Change ⁿⁱ; relates to ^op FCO.Concept.500 - Value Investment ⁿⁱ; version Info ^ap "0.1"

FCO.187ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.187

Confident to consider whether specific goals can be met by investing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.274 - Investment Strategy ⁿⁱ; version Info ^ap "0.1"

FCO.188ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.188

Confident not to invest if one does not understand the financial product or service

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.1 Basics of investing ⁿⁱ; relates to ^op FCO.Concept.166 - Financial Investment ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.493 - Uninformed Investment ⁿⁱ; version Info ^ap "0.1"

FCO.189ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.189

Understands that the same stock or fund can have a different purchase/selling price at different points in time

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.2 Share and fund prices ⁿⁱ; relates to ^op FCO.Concept.205 - Funds ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.445 - Stocks ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; version Info ^ap "0.1"

FCO.19ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.19

Compares exchange rates from different providers in search for the best quotation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.1.3 Foreign Exchange ⁿⁱ; relates to ^op FCO.Concept.141 - Exchange Rate ⁿⁱ; relates to ^op FCO.Concept.318 - Online Comparison ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.384 - Quotation ⁿⁱ; version Info ^ap "0.1"

FCO.190ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.190

Knows the characteristics of various investment products including levels of risk, liquidity, expected performance and sustainability features or can find out easily

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.269 - Investment Product ⁿⁱ; version Info ^ap "0.1"

FCO.191ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.191

Knows that fees, commissions and other charges may be made for investment products and services and that these items may vary depending on the provider and the sales channel

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.148 - Fees ⁿⁱ; relates to ^op FCO.Concept.269 - Investment Product ⁿⁱ; relates to ^op FCO.Concept.45 - Commissions ⁿⁱ; relates to ^op FCO.Concept.486 - Transaction Fees ⁿⁱ; version Info ^ap "0.1"

FCO.192ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.192

Knows that prices for the same investment product may vary across providers and sales channels

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.269 - Investment Product ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; version Info ^ap "0.1"

FCO.193ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.193

Knows that different investment products may have different sustainability characteristics (environmental, social and corporate governance)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.194ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.194

Understands the benefits of holding a diversified portfolio of investments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.114 - Diversified Portfolio ⁿⁱ; relates to ^op FCO.Concept.262 - Investment Diversification ⁿⁱ; relates to ^op FCO.Concept.361 - Portfolio ⁿⁱ; relates to ^op FCO.Concept.362 - Portfolio Diversification ⁿⁱ; version Info ^ap "0.1"

FCO.195ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.195

Knows why it is important to consider overall asset allocation when investing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.11 - Asset Allocation ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.262 - Investment Diversification ⁿⁱ; version Info ^ap "0.1"

FCO.196ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.196

Aware that various brokers and trading tools exist that can be accessed through different traditional and digital means

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.107 - Digital Tools ⁿⁱ; relates to ^op FCO.Concept.153 - Financial Broker ⁿⁱ; relates to ^op FCO.Concept.482 - Trading Tools ⁿⁱ; version Info ^ap "0.1"

FCO.197ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.197

Considers risk, performance, costs and other investment characteristics when managing and monitoring investments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.265 - Investment Management ⁿⁱ; relates to ^op FCO.Concept.266 - Investment Monitoring ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; version Info ^ap "0.1"

FCO.198ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.198

Monitors investments periodically and makes adjustments as necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.311 - Monitoring ⁿⁱ; version Info ^ap "0.1"

FCO.199ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.199

Able to incorporate personal preferences with respect to investment goal, risk tolerance, time horizon and sustainability, when making an investment decision.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.411 - Risk Preferences ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.2ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.2

Understands the meaning of legal tender

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.1.1 Forms and use of Money ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.285 - Legal Tender ⁿⁱ; relates to ^op FCO.Concept.286 - Legal Value ⁿⁱ; version Info ^ap "0.1"

FCO.20ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.20

Knows about the sources of earned and unearned income, including available government benefits and the requirements for receiving them

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.1 Sources of Income ⁿⁱ; relates to ^op FCO.Concept.124 - Earned Income ⁿⁱ; relates to ^op FCO.Concept.209 - Government Benefits ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.403 - Required Income ⁿⁱ; relates to ^op FCO.Concept.439 - Sources of Income ⁿⁱ; relates to ^op FCO.Concept.489 - Unearned Income ⁿⁱ; version Info ^ap "0.1"

FCO.200ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.200

Can retrieve relevant and reliable information to inform investment decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; relates to ^op FCO.Concept.493 - Uninformed Investment ⁿⁱ; version Info ^ap "0.1"

FCO.201ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.201

Researches potential investments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.256 - Investing ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.270 - Investment Research ⁿⁱ; relates to ^op FCO.Concept.363 - Potential Investment ⁿⁱ; version Info ^ap "0.1"

FCO.202ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.202

Creates a diversified portfolio

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.114 - Diversified Portfolio ⁿⁱ; relates to ^op FCO.Concept.262 - Investment Diversification ⁿⁱ; relates to ^op FCO.Concept.361 - Portfolio ⁿⁱ; version Info ^ap "0.1"

FCO.203ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.203

Is able to combine various investment products such as pensions, life insurance policies, endowments, collective investment schemes or other investment products where appropriate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.269 - Investment Product ⁿⁱ; relates to ^op FCO.Concept.273 - Investment Scheme ⁿⁱ; relates to ^op FCO.Concept.288 - Life Insurance ⁿⁱ; relates to ^op FCO.Concept.343 - Pension ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.43 - Collective Investment Scheme ⁿⁱ; version Info ^ap "0.1"

FCO.204ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.204

Confident and motivated to undertake research on potential investments before committing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.363 - Potential Investment ⁿⁱ; version Info ^ap "0.1"

FCO.205ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.205

Confident and motivated to compare the level of sustainability of investment products using for example other standards, labels or ratings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; relates to ^op FCO.Concept.457 - Sustainability Criteria ⁿⁱ; relates to ^op FCO.Concept.459 - Sustainability Label ⁿⁱ; relates to ^op FCO.Concept.461 - Sustainability Rating ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.206ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.206

Confident and motivated to question investment offers that appear too good to be true

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.268 - Investment Offer ⁿⁱ; relates to ^op FCO.Concept.363 - Potential Investment ⁿⁱ; relates to ^op FCO.Concept.493 - Uninformed Investment ⁿⁱ; version Info ^ap "0.1"

FCO.207ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.207

Confident and motivated to compare the investment portfolio composition of pension funds, life insurance policies, endowments, collective investment schemes or other investment products in order to assess their suitability in a holistic way

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.273 - Investment Scheme ⁿⁱ; relates to ^op FCO.Concept.274 - Investment Strategy ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; version Info ^ap "0.1"

FCO.208ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.208

Confident and motivated to not to let one’s own investment behavior be guided by fear of missing out

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; relates to ^op FCO.Concept.493 - Uninformed Investment ⁿⁱ; version Info ^ap "0.1"

FCO.209ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.209

Willing to provide relevant personal information to the intermediary for a suitability assessment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.3 Choosing and diversifying investments ⁿⁱ; relates to ^op FCO.Concept.110 - Disclosure Requirements ⁿⁱ; relates to ^op FCO.Concept.165 - Financial Intermediary ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.355 - Personal Information ⁿⁱ; relates to ^op FCO.Concept.451 - Suitability Assessment ⁿⁱ; version Info ^ap "0.1"

FCO.21ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.21

Understands why an individual’s net income may fluctuate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.1 Sources of Income ⁿⁱ; relates to ^op FCO.Concept.112 - Disposable Income ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.233 - Income Uncertainty ⁿⁱ; relates to ^op FCO.Concept.314 - Net Income ⁿⁱ; version Info ^ap "0.1"

FCO.210ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.210

Aware of the existence of different types of crypto-assets and has a basic understanding of how to access and exchange them

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.4 Crypto assets and related digital developments ⁿⁱ; relates to ^op FCO.Concept.14 - Assets ⁿⁱ; relates to ^op FCO.Concept.257 - Investing Concepts ⁿⁱ; relates to ^op FCO.Concept.80 - Cryptocurrency ⁿⁱ; version Info ^ap "0.1"

FCO.211ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.211

Aware of risks related to using crypto-assets for payment or investment purposes, and of the risks related to “crypto exchange platforms” (such as technological or other risks), which can have significant financial consequences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.4 Crypto assets and related digital developments ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; relates to ^op FCO.Concept.80 - Cryptocurrency ⁿⁱ; version Info ^ap "0.1"

FCO.212ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.212

Aware that scams related to crypto-assets occur frequently, often trying to attract potential victims by promising high expected returns

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.4 Crypto assets and related digital developments ⁿⁱ; relates to ^op FCO.Concept.162 - Financial Fraud ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.401 - Reported Scams ⁿⁱ; relates to ^op FCO.Concept.80 - Cryptocurrency ⁿⁱ; version Info ^ap "0.1"

FCO.213ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.213

If relevant, knows how to use different types of crypto-assets safely and in compliance with applicable law

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.4 Crypto assets and related digital developments ⁿⁱ; relates to ^op FCO.Concept.14 - Assets ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; relates to ^op FCO.Concept.80 - Cryptocurrency ⁿⁱ; version Info ^ap "0.1"

FCO.214ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.214

Keeps abreast of developments related to emerging technologies relevant for financial products and services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.4 Crypto assets and related digital developments ⁿⁱ; relates to ^op FCO.Concept.133 - Emerging Technologies ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.175 - Financial Product Innovation ⁿⁱ; version Info ^ap "0.1"

FCO.215ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.215

Aware of the rights and benefits associated to holding a share of a company

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.5 Shareholder rights ⁿⁱ; relates to ^op FCO.Concept.331 - Ownership ⁿⁱ; relates to ^op FCO.Concept.428 - Shareholder Actions ⁿⁱ; relates to ^op FCO.Concept.430 - Shareholder Meetings ⁿⁱ; relates to ^op FCO.Concept.46 - Company Shares ⁿⁱ; version Info ^ap "0.1"

FCO.216ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.216

Aware of the rights of shareholders to influence the decisions of a company, including on its sustainability performance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.5 Shareholder rights ⁿⁱ; relates to ^op FCO.Concept.428 - Shareholder Actions ⁿⁱ; relates to ^op FCO.Concept.430 - Shareholder Meetings ⁿⁱ; relates to ^op FCO.Concept.431 - Shareholder Rights ⁿⁱ; relates to ^op FCO.Concept.61 - Corporate Governance ⁿⁱ; version Info ^ap "0.1"

FCO.217ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.217

Aware of the possibility and requirements to participate in collective shareholder actions, and of digital tools to do so

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.5 Shareholder rights ⁿⁱ; relates to ^op FCO.Concept.428 - Shareholder Actions ⁿⁱ; relates to ^op FCO.Concept.430 - Shareholder Meetings ⁿⁱ; relates to ^op FCO.Concept.44 - Collective Shareholder Action ⁿⁱ; relates to ^op FCO.Concept.61 - Corporate Governance ⁿⁱ; version Info ^ap "0.1"

FCO.218ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.218

If relevant, can take steps to engage with companies during annual general shareholder meetings or through collective shareholder actions, in line with one´s own sustainability and other preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.5 Shareholder rights ⁿⁱ; relates to ^op FCO.Concept.10 - Annual General Shareholder Meeting ⁿⁱ; relates to ^op FCO.Concept.428 - Shareholder Actions ⁿⁱ; relates to ^op FCO.Concept.430 - Shareholder Meetings ⁿⁱ; relates to ^op FCO.Concept.61 - Corporate Governance ⁿⁱ; version Info ^ap "0.1"

FCO.219ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.219

Aware about existing sustainable investment products on the market

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.6 Sustainable investment ⁿⁱ; relates to ^op FCO.Concept.269 - Investment Product ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.22ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.22

Can identify legal ways to increase income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.1 Sources of Income ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.229 - Income Growth ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.403 - Required Income ⁿⁱ; version Info ^ap "0.1"

FCO.220ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.220

Aware about the different dimensions of sustainability (environment, social and governance) and about the principles behind each of these dimensions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.6 Sustainable investment ⁿⁱ; relates to ^op FCO.Concept.122 - ESG Principles ⁿⁱ; relates to ^op FCO.Concept.454 - Sustainability ⁿⁱ; relates to ^op FCO.Concept.455 - Sustainability Aspects ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; version Info ^ap "0.1"

FCO.221ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.221

Aware that different investment strategies can be used to invest according to one’s own environmental, social and corporate governance (sustainability) preferences, for instance by avoiding investments in certain sectors or companies (divestment), or engaging with certain companies to make them change their activities (engagement)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.6 Sustainable investment ⁿⁱ; relates to ^op FCO.Concept.115 - Divestment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.274 - Investment Strategy ⁿⁱ; relates to ^op FCO.Concept.429 - Shareholder Engagement ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; version Info ^ap "0.1"

FCO.222ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.222

Looks for investment products in line with one’s own sustainability preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.6 Sustainable investment ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.223ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.223

Picks an investment strategy in terms of divestment or engagement or combination of both according to one's personal situation and preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.6 Sustainable investment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.274 - Investment Strategy ⁿⁱ; version Info ^ap "0.1"

FCO.224ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.224

Asks follow-up questions to an advisor on sustainability related aspects of investment products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.6 Sustainable investment ⁿⁱ; relates to ^op FCO.Concept.455 - Sustainability Aspects ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.225ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.225

Researches and compares sustainability attributes of potential saving and investment products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.6 Sustainable investment ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.226ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.226

Motivated to research the products one already holds or plans to invest in, to ensure that they meet personal sustainability preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.6 Sustainable investment ⁿⁱ; relates to ^op FCO.Concept.455 - Sustainability Aspects ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.227ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.227

Confident to ask questions about the extent to which an investment product meets sustainability criteria

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.4.6 Sustainable investment ⁿⁱ; relates to ^op FCO.Concept.457 - Sustainability Criteria ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.228ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.228

Aware that the value of investments in material goods such as gold may increase or decrease as a result of a range of factors

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.7 Commodities ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.500 - Value Investment ⁿⁱ; version Info ^ap "0.1"

FCO.229ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.229

Keeps an eye on changes in the price of goods held as investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.7 Commodities ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.500 - Value Investment ⁿⁱ; version Info ^ap "0.1"

FCO.23ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.23

Understands how assets or investments can provide a source of income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.1 Sources of Income ⁿⁱ; relates to ^op FCO.Concept.14 - Assets ⁿⁱ; relates to ^op FCO.Concept.219 - Household Assets ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.276 - Investments ⁿⁱ; version Info ^ap "0.1"

FCO.230ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.230

Aware that human characteristics such as emotions or cognitive biases can impact on investing decisions in unanticipated ways

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.8 Factors influencing investment decisions ⁿⁱ; relates to ^op FCO.Concept.257 - Investing Concepts ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.40 - Cognitive Bias ⁿⁱ; version Info ^ap "0.1"

FCO.231ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.231

Aware of the risks related to social trading

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.4.8 Factors influencing investment decisions ⁿⁱ; relates to ^op FCO.Concept.396 - Related Risk ⁿⁱ; relates to ^op FCO.Concept.438 - Social Trading ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.232ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.232

Takes steps to make informed decisions, control emotional responses and takes into account cognitive biases when making investment decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.4.8 Factors influencing investment decisions ⁿⁱ; relates to ^op FCO.Concept.258 - Investment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; version Info ^ap "0.1"

FCO.233ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.233

Understands the importance of having an eye on the longer-term even when short-term needs are pressing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.21 - Benefits ⁿⁱ; relates to ^op FCO.Concept.238 - Individual Needs ⁿⁱ; relates to ^op FCO.Concept.357 - Personal Strategies ⁿⁱ; version Info ^ap "0.1"

FCO.234ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.234

Understands that long-term planning may require different types of financial product from those used for emergency savings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.132 - Emergency Savings ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.235ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.235

Recognises that the actions needed to achieve longer-term plans may need adjusting over time

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.236ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.236

Understands the importance of making plans for the end of life including considering the financial requirements of dependents, making decisions about how outstanding costs, debts and assets should be distributed, and writing a will, where relevant

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.288 - Life Insurance ⁿⁱ; version Info ^ap "0.1"

FCO.237ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.237

Makes financial plans for future positive and negative life events that are likely to have financial consequences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; version Info ^ap "0.1"

FCO.238ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.238

Identifies strategies to take action [overcome procrastination] when making longer-term plans

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.357 - Personal Strategies ⁿⁱ; version Info ^ap "0.1"

FCO.239ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.239

Identifies strategies to balance immediate needs and wants with longer-term plans, so to achieve longer-term financial goals

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.24ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.24

Declares all sources of income to tax authorities

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.2.1 Sources of Income ⁿⁱ; relates to ^op FCO.Concept.232 - Income Taxation ⁿⁱ; relates to ^op FCO.Concept.466 - Tax ⁿⁱ; relates to ^op FCO.Concept.468 - Tax Authority ⁿⁱ; relates to ^op FCO.Concept.469 - Tax Obligation ⁿⁱ; version Info ^ap "0.1"

FCO.240ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.240

Monitors the changing value of investments, assets and liabilities

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.13 - Asset and Liability Management ⁿⁱ; relates to ^op FCO.Concept.166 - Financial Investment ⁿⁱ; relates to ^op FCO.Concept.260 - Investment Behavior ⁿⁱ; relates to ^op FCO.Concept.500 - Value Investment ⁿⁱ; version Info ^ap "0.1"

FCO.241ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.241

Takes into account predictable fluctuations in income and expenditure when making longer-term plans

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.220 - Household Budget ⁿⁱ; version Info ^ap "0.1"

FCO.242ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.242

Takes into account all personal and household assets and liabilities when considering longer-term needs

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.219 - Household Assets ⁿⁱ; relates to ^op FCO.Concept.223 - Household Finances ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; version Info ^ap "0.1"

FCO.243ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.243

Takes into account the possibility that family or community members will need financial support in the longer-term

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.189 - Financial Support ⁿⁱ; relates to ^op FCO.Concept.223 - Household Finances ⁿⁱ; relates to ^op FCO.Concept.435 - Social Contracts ⁿⁱ; relates to ^op FCO.Concept.437 - Social Support ⁿⁱ; version Info ^ap "0.1"

FCO.244ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.244

Puts plans in place to cover current living expenses for dependents and arrange for the distribution of outstanding costs, debts and assets at the end of life, and checks these from time to time

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.293 - Living Expenses ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.245ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.245

Values long-term financial planning as a way of maintaining or increasing financial well-being

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.246ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.246

Confident to make changes to longer-term financial plans if necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.247ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.247

Confident to put long term financial plans into action

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.248ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.248

Motivated to consider the longer-term financial needs of dependents

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.5.1 Basics of long term planning ⁿⁱ; relates to ^op FCO.Concept.102 - Dependents ⁿⁱ; relates to ^op FCO.Concept.189 - Financial Support ⁿⁱ; relates to ^op FCO.Concept.223 - Household Finances ⁿⁱ; version Info ^ap "0.1"

FCO.249ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.249

Understands why it is important to consider ways of ensuring financial security beyond working age and start saving for retirement from a young age

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.1 Basics of pension planning ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; relates to ^op FCO.Concept.404 - Retirement ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; version Info ^ap "0.1"

FCO.25ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.25

Comfortable discussing income with others when necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.2.1 Sources of Income ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.354 - Personal Income ⁿⁱ; relates to ^op FCO.Concept.450 - Sufficient Income ⁿⁱ; version Info ^ap "0.1"

FCO.250ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.250

Makes plans to achieve financial security beyond working age

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.6.1 Basics of pension planning ⁿⁱ; relates to ^op FCO.Concept.161 - Financial Education ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; relates to ^op FCO.Concept.504 - Working Age ⁿⁱ; version Info ^ap "0.1"

FCO.251ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.251

Takes into account all likely relevant resources and commitments when planning for retirement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.6.1 Basics of pension planning ⁿⁱ; relates to ^op FCO.Concept.404 - Retirement ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; version Info ^ap "0.1"

FCO.252ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.252

Confident to plan for retirement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.6.1 Basics of pension planning ⁿⁱ; relates to ^op FCO.Concept.404 - Retirement ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; version Info ^ap "0.1"

FCO.253ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.253

Appreciates the importance of balancing current standard of living and spending choices with goal of achieving improved financial choices later in life

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.6.1 Basics of pension planning ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.254ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.254

Knows who is entitled to a state pension and how much it is

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.2 Categories of pension products ⁿⁱ; relates to ^op FCO.Concept.347 - Pension Reforms ⁿⁱ; relates to ^op FCO.Concept.374 - Private Pension ⁿⁱ; relates to ^op FCO.Concept.444 - State Pension ⁿⁱ; version Info ^ap "0.1"

FCO.255ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.255

Has a good understanding of the main types of public and private pensions available nationally

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.2 Categories of pension products ⁿⁱ; relates to ^op FCO.Concept.347 - Pension Reforms ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.374 - Private Pension ⁿⁱ; relates to ^op FCO.Concept.381 - Public Pension ⁿⁱ; version Info ^ap "0.1"

FCO.256ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.256

Knows the difference between optional and compulsory retirement savings, and the difference between occupational and individual schemes

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.2 Categories of pension products ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.52 - Compulsory Retirement Savings ⁿⁱ; version Info ^ap "0.1"

FCO.257ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.257

Knows that in some jurisdictions people may be automatically enrolled into a pension

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.2 Categories of pension products ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.374 - Private Pension ⁿⁱ; relates to ^op FCO.Concept.444 - State Pension ⁿⁱ; version Info ^ap "0.1"

FCO.258ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.258

Knows whether opt-out is possible [where relevant]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.2 Categories of pension products ⁿⁱ; relates to ^op FCO.Concept.350 - Personal Convenience ⁿⁱ; relates to ^op FCO.Concept.356 - Personal Priorities ⁿⁱ; relates to ^op FCO.Concept.366 - Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.259ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.259

Chooses among pension products or creates combinations of pension schemes to build an adequate retirement income, when possible

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.6.2 Categories of pension products ⁿⁱ; relates to ^op FCO.Concept.346 - Pension Product ⁿⁱ; relates to ^op FCO.Concept.347 - Pension Reforms ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; version Info ^ap "0.1"

FCO.26ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.26

Understands the entries on a payslip and income statement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.2 Pay Slips and Income Statements ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.231 - Income Statement ⁿⁱ; relates to ^op FCO.Concept.341 - Payslip ⁿⁱ; relates to ^op FCO.Concept.503 - Wage ⁿⁱ; version Info ^ap "0.1"

FCO.260ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.260

Understands that it is important to plan the pay-out phases of retirement as well as the accumulation phase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.3 Managing pension products ⁿⁱ; relates to ^op FCO.Concept.404 - Retirement ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; version Info ^ap "0.1"

FCO.261ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.261

Aware of the main options for drawing an income from a pension product at retirement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.3 Managing pension products ⁿⁱ; relates to ^op FCO.Concept.344 - Pension Income ⁿⁱ; relates to ^op FCO.Concept.346 - Pension Product ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; version Info ^ap "0.1"

FCO.262ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.262

Aware of the risks of drawing money from retirement savings or borrowing against them before retirement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.3 Managing pension products ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.26 - Borrowing Money ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; version Info ^ap "0.1"

FCO.263ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.263

Aware of reliable digital tools developed by impartial providers designed to make retirement related calculations and manage pensions on a regular basis

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.3 Managing pension products ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; version Info ^ap "0.1"

FCO.264ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.264

Follows retirement plan and makes adjustments as necessary in order to achieve required income in old age

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.6.3 Managing pension products ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; relates to ^op FCO.Concept.51 - Compulsory Retirement ⁿⁱ; version Info ^ap "0.1"

FCO.265ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.265

Makes active decisions to manage savings for and during retirement [where relevant]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.6.3 Managing pension products ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; relates to ^op FCO.Concept.423 - Savings Methods ⁿⁱ; version Info ^ap "0.1"

FCO.266ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.266

Seeks to benefit from incentive schemes to encourage retirement saving such as employer matching and tax advantages when possible

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.6.3 Managing pension products ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; version Info ^ap "0.1"

FCO.267ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.267

Considers the impact of nudges such as opt-out pensions or compulsory minimum contributions on retirement saving

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.6.3 Managing pension products ⁿⁱ; relates to ^op FCO.Concept.347 - Pension Reforms ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.51 - Compulsory Retirement ⁿⁱ; version Info ^ap "0.1"

FCO.268ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.268

Understands the extent to which a given pension product meets one’s sustainability criteria

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.6.4 Sustainability considerations for pensions ⁿⁱ; relates to ^op FCO.Concept.346 - Pension Product ⁿⁱ; relates to ^op FCO.Concept.347 - Pension Reforms ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; version Info ^ap "0.1"

FCO.269ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.269

Chooses one's pension product in line with one's risk and sustainability preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.6.4 Sustainability considerations for pensions ⁿⁱ; relates to ^op FCO.Concept.346 - Pension Product ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.27ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.27

Understands how to access, store and keep track of relevant information regarding a person's income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.2 Pay Slips and Income Statements ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.231 - Income Statement ⁿⁱ; relates to ^op FCO.Concept.243 - Information Storage ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; version Info ^ap "0.1"

FCO.270ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.270

Confident to ask questions about the extent to which pension products meet sustainability criteria and to make demands for more/better options if necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.6.4 Sustainability considerations for pensions ⁿⁱ; relates to ^op FCO.Concept.346 - Pension Product ⁿⁱ; relates to ^op FCO.Concept.347 - Pension Reforms ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; version Info ^ap "0.1"

FCO.271ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.271

Understands the implications of a credit commitment on future disposable income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.155 - Financial Commitment ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.76 - Credit Risk ⁿⁱ; version Info ^ap "0.1"

FCO.272ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.272

Understands the importance of assessing ability to repay before borrowing money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.26 - Borrowing Money ⁿⁱ; relates to ^op FCO.Concept.399 - Repayment ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.273ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.273

Understands the impact of compound interest on credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.474 - Term Credit ⁿⁱ; relates to ^op FCO.Concept.50 - Compound Interest ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.274ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.274

Understands the importance of knowing how long the repayment period will be and whether it is fixed

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.399 - Repayment ⁿⁱ; relates to ^op FCO.Concept.400 - Repayment Period ⁿⁱ; relates to ^op FCO.Concept.479 - Timely Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.275ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.275

Understands that the total cost credit may be higher than what implied only by the interest rate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.474 - Term Credit ⁿⁱ; relates to ^op FCO.Concept.481 - Total Credit Cost ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.276ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.276

Can differentiate between the use of credit to generate or increase future income or wealth and the use of credit for consumption

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.497 - Uses of Funds ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.277ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.277

Uses credit only when necessary and after considering the consequences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.496 - Unwanted Credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; version Info ^ap "0.1"

FCO.278ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.278

Assesses the total cost of credit and the likelihood of being able to pay it back before making any decision to borrow money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.100 - Default Probability ⁿⁱ; relates to ^op FCO.Concept.26 - Borrowing Money ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.279ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.279

Makes decisions to borrow and manages any credit commitments within a budget

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.298 - Managing Debt ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; version Info ^ap "0.1"

FCO.28ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.28

Understands the difference between gross and net income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.2 Pay Slips and Income Statements ⁿⁱ; relates to ^op FCO.Concept.215 - Gross Income ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.314 - Net Income ⁿⁱ; relates to ^op FCO.Concept.33 - Business Income ⁿⁱ; version Info ^ap "0.1"

FCO.280ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.280

Takes into account the cost of credit as well as the cost of the item when making a decision to buy an item on credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.63 - Cost of Credit ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.73 - Credit Product ⁿⁱ; version Info ^ap "0.1"

FCO.281ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.281

Takes into account the potential to generate or increase future income or wealth when deciding whether to borrow

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.164 - Financial Implication ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.26 - Borrowing Money ⁿⁱ; version Info ^ap "0.1"

FCO.282ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.282

Motivated to consider the consequences of accessing credit before making a decision

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.496 - Unwanted Credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; version Info ^ap "0.1"

FCO.283ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.283

Motivated to seek alternatives to borrowing (such as saving, leasing, joint ownership, social support etc.)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.7.1 Considerations before asking for credit ⁿⁱ; relates to ^op FCO.Concept.155 - Financial Commitment ⁿⁱ; relates to ^op FCO.Concept.26 - Borrowing Money ⁿⁱ; relates to ^op FCO.Concept.281 - Joint Ownership ⁿⁱ; relates to ^op FCO.Concept.284 - Leasing ⁿⁱ; version Info ^ap "0.1"

FCO.284ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.284

Aware that some credit providers may require a guarantor to cover credit payments in the event of default

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.2 Guarantors and collateral ⁿⁱ; relates to ^op FCO.Concept.216 - Guarantor ⁿⁱ; relates to ^op FCO.Concept.287 - Lender ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; version Info ^ap "0.1"

FCO.285ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.285

Aware that asking for a credit may require a collateral to secure repayment of a loan

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.2 Guarantors and collateral ⁿⁱ; relates to ^op FCO.Concept.26 - Borrowing Money ⁿⁱ; relates to ^op FCO.Concept.294 - Loan ⁿⁱ; relates to ^op FCO.Concept.42 - Collateral ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.286ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.286

Understands the social and financial implications of asking someone to become a guarantor and the responsibility it brings when credit repayments are not made

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.2 Guarantors and collateral ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.287ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.287

Takes into account the social and financial implications of asking someone to be a guarantor

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.2 Guarantors and collateral ⁿⁱ; relates to ^op FCO.Concept.164 - Financial Implication ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; version Info ^ap "0.1"

FCO.288ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.288

Confident to guarantee another person or to ask another person to be a guarantor

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.7.2 Guarantors and collateral ⁿⁱ; relates to ^op FCO.Concept.408 - Risk ⁿⁱ; relates to ^op FCO.Concept.411 - Risk Preferences ⁿⁱ; relates to ^op FCO.Concept.412 - Risk Tolerance ⁿⁱ; version Info ^ap "0.1"

FCO.289ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.289

Knows or can easily research the different types of credit available (including credit cards, mortgage products, rotating credit facilities or short-term credit), their intended use and the main advantages and disadvantages of each

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.3 Choosing credit ⁿⁱ; relates to ^op FCO.Concept.312 - Mortgage ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.414 - Rotating Credit Facility ⁿⁱ; relates to ^op FCO.Concept.73 - Credit Product ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; version Info ^ap "0.1"

FCO.29ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.29

Understands that some automatic deductions from pay may be earmarked for building assets/providing rights or paying expenses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.2 Pay Slips and Income Statements ⁿⁱ; relates to ^op FCO.Concept.145 - Expenses ⁿⁱ; relates to ^op FCO.Concept.278 - Irregular Expenses ⁿⁱ; relates to ^op FCO.Concept.469 - Tax Obligation ⁿⁱ; relates to ^op FCO.Concept.99 - Deductions ⁿⁱ; version Info ^ap "0.1"

FCO.290ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.290

Knows whether or not a loan is secured against an asset, and can assess the benefits and disadvantages of using such a loan including the implications of failing to repay the secured credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.3 Choosing credit ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; relates to ^op FCO.Concept.426 - Secured Loan ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.291ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.291

Knows why it is important to be aware of the current interest rate on credit and whether that rate is fixed or variable, as well as the rate of inflation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.3 Choosing credit ⁿⁱ; relates to ^op FCO.Concept.191 - Fixed Interest Rate ⁿⁱ; relates to ^op FCO.Concept.239 - Inflation ⁿⁱ; relates to ^op FCO.Concept.386 - Rate Environment ⁿⁱ; relates to ^op FCO.Concept.502 - Variable Interest Rate ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.292ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.292

Aware that credit can also be accessible online (e.g. through peer-to-peer lending platforms) and is able to distinguish the different features (and risks)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.3 Choosing credit ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.73 - Credit Product ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; version Info ^ap "0.1"

FCO.293ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.293

Aware that different types of mortgages exist, including green mortgages

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.3 Choosing credit ⁿⁱ; relates to ^op FCO.Concept.212 - Green Mortgage ⁿⁱ; relates to ^op FCO.Concept.213 - Green Mortgages ⁿⁱ; relates to ^op FCO.Concept.214 - Greenwashing ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; version Info ^ap "0.1"

FCO.294ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.294

Chooses credit products carefully [once the decision has been made to borrow, and once the appropriate credit product has been selected ], taking into account factors such as the interest rate, inflation rate, overall cost and flexibility as well as the amount to be paid on regular repayments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.3 Choosing credit ⁿⁱ; relates to ^op FCO.Concept.240 - Inflation Rate ⁿⁱ; relates to ^op FCO.Concept.336 - Payment Methods ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.295ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.295

Uses comparison tools to evaluate the cost and other characteristics of credit products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.3 Choosing credit ⁿⁱ; relates to ^op FCO.Concept.47 - Comparison Tool ⁿⁱ; relates to ^op FCO.Concept.62 - Cost Comparison ⁿⁱ; relates to ^op FCO.Concept.73 - Credit Product ⁿⁱ; version Info ^ap "0.1"

FCO.296ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.296

Confident to ask additional information about different types of credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.7.3 Choosing credit ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.297ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.297

Confident to choose a suitable credit provider and product when necessary, also by using available comparison tools

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.7.3 Choosing credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.73 - Credit Product ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; version Info ^ap "0.1"

FCO.298ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.298

Aware of the potential negative consequences of borrowing to meet a shortfall in current income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.4 Risks of taking a credit ⁿⁱ; relates to ^op FCO.Concept.156 - Financial Consequence ⁿⁱ; relates to ^op FCO.Concept.26 - Borrowing Money ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; relates to ^op FCO.Concept.97 - Debt Service ⁿⁱ; version Info ^ap "0.1"

FCO.299ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.299

Understands the risks and benefits of using different kinds of credit providers (both formal and informal)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.4 Risks of taking a credit ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; version Info ^ap "0.1"

FCO.3ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.3

Can use and store money safely in all its forms

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.1.1 Forms and use of Money ⁿⁱ; relates to ^op FCO.Concept.183 - Financial Safety ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; relates to ^op FCO.Concept.447 - Storage of Money ⁿⁱ; version Info ^ap "0.1"

FCO.30ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.30

Checks payslips and income statements and files them for future reference

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.2.2 Pay Slips and Income Statements ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; relates to ^op FCO.Concept.231 - Income Statement ⁿⁱ; relates to ^op FCO.Concept.341 - Payslip ⁿⁱ; version Info ^ap "0.1"

FCO.300ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.300

Aware of the specific issues of taking credit in a foreign currency

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.4 Risks of taking a credit ⁿⁱ; relates to ^op FCO.Concept.197 - Foreign Currency ⁿⁱ; relates to ^op FCO.Concept.198 - Foreign Currency Loan ⁿⁱ; relates to ^op FCO.Concept.83 - Currency ⁿⁱ; relates to ^op FCO.Concept.84 - Currency Converter ⁿⁱ; version Info ^ap "0.1"

FCO.301ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.301

Aware of the risks of repeat use of rotating credit facilities

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.4 Risks of taking a credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.69 - Credit Facility ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; version Info ^ap "0.1"

FCO.302ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.302

Aware of the risk of foreclosure in case the mortgage is not paid off

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.4 Risks of taking a credit ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.196 - Foreclosure ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.303ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.303

Assesses the risks, benefits and potential consequences of using a particular credit provider

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.4 Risks of taking a credit ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.73 - Credit Product ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; version Info ^ap "0.1"

FCO.304ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.304

Aware of the existence and main characteristics of credit scoring system, if available in a country

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; relates to ^op FCO.Concept.79 - Credit Scoring System ⁿⁱ; version Info ^ap "0.1"

FCO.305ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.305

Aware that a positive credit score can increase the likelihood of accessing credit and reduce the cost of credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.306ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.306

Aware of the methods used to create credit scores, or to determine access to and price of credit may use big data and data analytics and may change over time

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.23 - Big Data ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.307ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.307

Aware that providers may react differently to the information contained in a credit score

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.112 - Disposable Income ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.308ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.308

Aware that income such as bonuses, windfalls or gifts may not be taken into account when calculating disposable income for credit purposes

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.112 - Disposable Income ⁿⁱ; relates to ^op FCO.Concept.231 - Income Statement ⁿⁱ; relates to ^op FCO.Concept.314 - Net Income ⁿⁱ; version Info ^ap "0.1"

FCO.309ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.309

Aware that credit providers may seek information about a borrower’s ability to repay and that this may include accessing a credit score collected by a third party

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.31ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.31

Checks actual income against expected income and seeks to analyse why they might differ

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.2.2 Pay Slips and Income Statements ⁿⁱ; relates to ^op FCO.Concept.142 - Expected Income ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.231 - Income Statement ⁿⁱ; version Info ^ap "0.1"

FCO.310ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.310

Knows what factors are taken into account in a credit score (including the use of personal data)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.311ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.311

How to access information on personal credit score and who to speak to in case of discrepancies

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.312ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.312

Asks which information is being used to assess ability to repay credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.313ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.313

Takes into account the ways in which certain actions and behaviours will impact on a credit score (including actions monitored through big data, where relevant)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.314ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.314

Takes steps to improve credit score if necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.5 Application for credit and credit score ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.315ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.315

Understands the relevance of trying to pay more than the minimum balance on flexible credit commitments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.6 Repaying credit ⁿⁱ; relates to ^op FCO.Concept.193 - Flexible Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.367 - Prepayment ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.316ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.316

Makes timely repayments on all credit commitments [unless personal circumstances deteriorate]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.6 Repaying credit ⁿⁱ; relates to ^op FCO.Concept.479 - Timely Repayment ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.317ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.317

Repays the maximum possible [taking into account budget constraints] on short term credit or rotating commitments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.6 Repaying credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.318ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.318

Considers the overall financial benefit of repaying credit early and takes an informed decision about doing so when funds allow

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.6 Repaying credit ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.479 - Timely Repayment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.319ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.319

Confident to manage credit commitments.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.7.6 Repaying credit ⁿⁱ; relates to ^op FCO.Concept.155 - Financial Commitment ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; version Info ^ap "0.1"

FCO.32ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.32

Uses gross or net income as appropriate when making decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.2.2 Pay Slips and Income Statements ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.314 - Net Income ⁿⁱ; relates to ^op FCO.Concept.33 - Business Income ⁿⁱ; version Info ^ap "0.1"

FCO.320ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.320

Aware that it may be possible to renegotiate a credit agreement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.7 Renegotiating a credit agreement ⁿⁱ; relates to ^op FCO.Concept.194 - Forbearance ⁿⁱ; relates to ^op FCO.Concept.65 - Credit Aggreement ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.71 - Credit Offer ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.321ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.321

Takes steps to stay informed about market changes when repaying credit and considers renegotiating unfavourable or unaffordable arrangements

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.7 Renegotiating a credit agreement ⁿⁱ; relates to ^op FCO.Concept.317 - Ongoing Payments ⁿⁱ; relates to ^op FCO.Concept.399 - Repayment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.322ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.322

Understands that the total amount of money available to spend in a bank account may include an agreed overdraft facility

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.8 Overdrafts ⁿⁱ; relates to ^op FCO.Concept.103 - Deposit Guarantee ⁿⁱ; relates to ^op FCO.Concept.20 - Bank Balance ⁿⁱ; relates to ^op FCO.Concept.329 - Overdraft Facility ⁿⁱ; version Info ^ap "0.1"

FCO.323ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.323

Knows that an overdraft is a form of credit that may incur costs and must be repaid

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.8 Overdrafts ⁿⁱ; relates to ^op FCO.Concept.329 - Overdraft Facility ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; version Info ^ap "0.1"

FCO.324ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.324

Has the goal of keeping a positive bank balance as part of following a budget

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.8 Overdrafts ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.19 - Bank Account Balance ⁿⁱ; relates to ^op FCO.Concept.20 - Bank Balance ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; version Info ^ap "0.1"

FCO.325ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.325

Aware that marketing and simplified lending processes can increase the temptation to access credit without considering the consequences, especially when credit is offered online or via mobile devices

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.9 Easy access high cost credit ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.496 - Unwanted Credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; version Info ^ap "0.1"

FCO.326ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.326

Some vendors offer credit to incentivise buyers to make a purchase or spend more than originally planned and/or to increase future custom

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.9 Easy access high cost credit ⁿⁱ; relates to ^op FCO.Concept.364 - Potential Purchase ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.73 - Credit Product ⁿⁱ; version Info ^ap "0.1"

FCO.327ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.327

Credit offers that are initially interest free may incur interest in the future

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.9 Easy access high cost credit ⁿⁱ; relates to ^op FCO.Concept.67 - Credit Commitment ⁿⁱ; relates to ^op FCO.Concept.71 - Credit Offer ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; version Info ^ap "0.1"

FCO.328ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.328

Options to ‘buy now, pay later’ [including basic utilities in many instances] typically are a form of credit and may have a cost

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.7.9 Easy access high cost credit ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.34 - Buy Now Pay Later ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; version Info ^ap "0.1"

FCO.329ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.329

Takes steps to avoid over indebtedness that may result from using easy-access high-cost credit often sold online

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.9 Easy access high cost credit ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.496 - Unwanted Credit ⁿⁱ; relates to ^op FCO.Concept.73 - Credit Product ⁿⁱ; version Info ^ap "0.1"

FCO.33ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.33

Takes into account the full pay package, including contributions to savings or insurance where relevant, when comparing current income to alternatives

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.2.2 Pay Slips and Income Statements ⁿⁱ; relates to ^op FCO.Concept.112 - Disposable Income ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.85 - Current Income ⁿⁱ; version Info ^ap "0.1"

FCO.330ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.330

Carefully considers the likelihood that interest free credit can be repaid in full before the end of the interest free period and the consequences of not doing so

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.7.9 Easy access high cost credit ⁿⁱ; relates to ^op FCO.Concept.400 - Repayment Period ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.331ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.331

Confident to decline unwanted credit that is offered with a purchase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.7.9 Easy access high cost credit ⁿⁱ; relates to ^op FCO.Concept.496 - Unwanted Credit ⁿⁱ; relates to ^op FCO.Concept.71 - Credit Offer ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.332ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.332

Understands the potential burden of being indebted

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.156 - Financial Consequence ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; version Info ^ap "0.1"

FCO.333ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.333

Recognises the relationship between current debt levels and financial well-being now and in the future

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; relates to ^op FCO.Concept.93 - Debt Levels ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; version Info ^ap "0.1"

FCO.334ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.334

Knows how to manage debt repayments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.335ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.335

Understands why it is important to manage the ratio of [household or individual] debt to income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.93 - Debt Levels ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; version Info ^ap "0.1"

FCO.336ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.336

Understands the implications on credit scores of failing to pay debts

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; version Info ^ap "0.1"

FCO.337ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.337

Takes early action to avoid or minimise debt problems

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; relates to ^op FCO.Concept.96 - Debt Repayment Difficulty ⁿⁱ; version Info ^ap "0.1"

FCO.338ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.338

Monitors overall credit use

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.77 - Credit Score ⁿⁱ; relates to ^op FCO.Concept.78 - Credit Scoring ⁿⁱ; version Info ^ap "0.1"

FCO.339ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.339

Makes an informed decision before accessing additional credit to repay current debts

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.399 - Repayment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.34ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.34

Understands that expenditure should ideally not exceed income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.3 Income Needs ⁿⁱ; relates to ^op FCO.Concept.143 - Expenditure ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.28 - Budget Constraint ⁿⁱ; relates to ^op FCO.Concept.450 - Sufficient Income ⁿⁱ; version Info ^ap "0.1"

FCO.340ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.340

Motivated to resolve issues related to credit before debt becomes a burden

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; version Info ^ap "0.1"

FCO.341ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.341

Accepts responsibility for debt and debt management

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.8.1 Managing debt ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.342ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.342

Understands that debts can accrue from unpaid bills as well as from the use of credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.2 Debt accrued from late payments ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; relates to ^op FCO.Concept.91 - Debt Accrual ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.343ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.343

Understands that there is usually an additional cost incurred for late payment of bills and credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.2 Debt accrued from late payments ⁿⁱ; relates to ^op FCO.Concept.283 - Late Payment ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.344ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.344

Prioritises bills and credit repayments over discretionary spending

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.8.2 Debt accrued from late payments ⁿⁱ; relates to ^op FCO.Concept.111 - Discretionary Expenditure ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; version Info ^ap "0.1"

FCO.345ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.345

Takes steps to avoid falling behind with payments even if circumstances change

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.8.2 Debt accrued from late payments ⁿⁱ; relates to ^op FCO.Concept.317 - Ongoing Payments ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; relates to ^op FCO.Concept.479 - Timely Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.346ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.346

Aware of the implications of not paying a credit installment and aware of the debt recovery process

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.3 Difficulty to repay debt ⁿⁱ; relates to ^op FCO.Concept.70 - Credit Installment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.347ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.347

Aware of potential grace periods and public support measures to help repay debt

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.3 Difficulty to repay debt ⁿⁱ; relates to ^op FCO.Concept.211 - Grace Period ⁿⁱ; relates to ^op FCO.Concept.400 - Repayment Period ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.348ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.348

Knows where to go for help to reduce debt burden [when necessary]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.3 Difficulty to repay debt ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; relates to ^op FCO.Concept.92 - Debt Burden ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; version Info ^ap "0.1"

FCO.349ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.349

Understands that certain debts may have to be prioritised over others if they become unmanageable

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.3 Difficulty to repay debt ⁿⁱ; relates to ^op FCO.Concept.90 - Debt ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; version Info ^ap "0.1"

FCO.35ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.35

Aware that it is important to have sufficient income when retired

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.3 Income Needs ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.450 - Sufficient Income ⁿⁱ; relates to ^op FCO.Concept.51 - Compulsory Retirement ⁿⁱ; version Info ^ap "0.1"

FCO.350ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.350

Understands that consumers have rights and responsibilities when managing debt

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 2.8.3 Difficulty to repay debt ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; version Info ^ap "0.1"

FCO.351ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.351

Informs creditors before the due date of a repayment if it is impossible to pay

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.8.3 Difficulty to repay debt ⁿⁱ; relates to ^op FCO.Concept.400 - Repayment Period ⁿⁱ; relates to ^op FCO.Concept.479 - Timely Repayment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.352ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.352

Applies for over-indebtedness procedure, when relevant

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 2.8.3 Difficulty to repay debt ⁿⁱ; relates to ^op FCO.Concept.156 - Financial Consequence ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.353ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.353

Confident to speak to relevant parties to discuss debt management and repayments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 2.8.3 Difficulty to repay debt ⁿⁱ; relates to ^op FCO.Concept.94 - Debt Management ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.354ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.354

Aware of risks in a financial context, including those inherent in products and those that can be hedged or insured against

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.1.1 Basics of risk ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.218 - Hedging ⁿⁱ; relates to ^op FCO.Concept.410 - Risk Mitigation ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.355ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.355

Aware that certain risks with financial implications can be reduced by using certain financial products and/or by taking action (buying insurance, acquiring financial products with capital guarantee, use well-diversified investment products, etc.)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.1.1 Basics of risk ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; relates to ^op FCO.Concept.410 - Risk Mitigation ⁿⁱ; version Info ^ap "0.1"

FCO.356ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.356

Considers the risks of significant external issues that may impact on personal financial well-being (including for example environmental, technological, health-related, scientific, security or economic factors)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.1.1 Basics of risk ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.183 - Financial Safety ⁿⁱ; version Info ^ap "0.1"

FCO.357ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.357

Motivated to identify own risk tolerance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 3.1.1 Basics of risk ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; relates to ^op FCO.Concept.411 - Risk Preferences ⁿⁱ; relates to ^op FCO.Concept.412 - Risk Tolerance ⁿⁱ; version Info ^ap "0.1"

FCO.358ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.358

Confident to make own assessment of risks without being unduly influenced by marketing or news items [avoiding availability bias]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 3.1.1 Basics of risk ⁿⁱ; relates to ^op FCO.Concept.15 - Availability Bias ⁿⁱ; relates to ^op FCO.Concept.396 - Related Risk ⁿⁱ; relates to ^op FCO.Concept.411 - Risk Preferences ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.359ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.359

Aware of possible risks with financial implications (political, economic, environmental and personal factors such as long life expectancy)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.126 - Economic Risk ⁿⁱ; relates to ^op FCO.Concept.136 - Environmental Risk ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.360 - Political Risk ⁿⁱ; relates to ^op FCO.Concept.396 - Related Risk ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.36ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.36

Assesses current income needs and seeks ways to gain sufficient income to cover these needs

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.2.3 Income Needs ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.403 - Required Income ⁿⁱ; relates to ^op FCO.Concept.450 - Sufficient Income ⁿⁱ; version Info ^ap "0.1"

FCO.360ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.360

Knows why it is important to be aware of low-probability, high-cost events, such as risk of climate-related events

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; relates to ^op FCO.Concept.396 - Related Risk ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.361ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.361

Aware of the (possible) risks related to financial products, including: making inappropriate product choices, using variable interest rate products, committing to fixed interest rates in a variable interest rate environment, and taking out products in foreign currencies

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.181 - Financial Risk ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.362ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.362

Assesses the financial risks associated with personal decisions and life choices

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.411 - Risk Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.363ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.363

Considers the risks of significant projects or purchases

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.378 - Project Risk ⁿⁱ; relates to ^op FCO.Concept.396 - Related Risk ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.364ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.364

Takes into account the risk of changes in circumstance, including job loss, increased outgoings, or other external events

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.195 - Force Majeure ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; relates to ^op FCO.Concept.396 - Related Risk ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; relates to ^op FCO.Concept.490 - Unemployment Risk ⁿⁱ; version Info ^ap "0.1"

FCO.365ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.365

Takes into account the risk of losing some or all household income through ill-health, disability or death of a family member

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.108 - Disability Risk ⁿⁱ; relates to ^op FCO.Concept.217 - Health Risk ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; relates to ^op FCO.Concept.289 - Life Risk ⁿⁱ; relates to ^op FCO.Concept.396 - Related Risk ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.366ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.366

Takes into account the types of risks from different financial products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.367ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.367

Motivated to mitigate risks when necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; relates to ^op FCO.Concept.410 - Risk Mitigation ⁿⁱ; relates to ^op FCO.Concept.412 - Risk Tolerance ⁿⁱ; version Info ^ap "0.1"

FCO.368ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.368

Confident to make considered decisions when risks become apparent

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 3.1.2 Sources of risks ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; relates to ^op FCO.Concept.408 - Risk ⁿⁱ; relates to ^op FCO.Concept.411 - Risk Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.369ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.369

Aware of the specific risks related to digital financial products and services, such as mobile banking and lending, investing, borrowing via peer-to-peer platforms

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.1.3 Specific risks of digital products and services ⁿⁱ; relates to ^op FCO.Concept.105 - Digital Insurance ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; version Info ^ap "0.1"

FCO.37ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.37

Makes a realistic assessment of expected income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.2.3 Income Needs ⁿⁱ; relates to ^op FCO.Concept.142 - Expected Income ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; version Info ^ap "0.1"

FCO.370ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.370

Aware that some digital financial products and services (such as crypto-assets or initial coin offerings) are riskier than established financial products because they are less regulated or even unregulated

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.1.3 Specific risks of digital products and services ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; version Info ^ap "0.1"

FCO.371ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.371

Pays particular attention to risks related to financial products based on emerging technologies, such as blockchain-based financial products (crypto-assets, initial coin offerings, etc.)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.1.3 Specific risks of digital products and services ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; version Info ^ap "0.1"

FCO.372ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.372

Knows how to create a financial safety net, such as rainy day savings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.1 Creating a safety net ⁿⁱ; relates to ^op FCO.Concept.132 - Emergency Savings ⁿⁱ; relates to ^op FCO.Concept.180 - Financial Resilience ⁿⁱ; relates to ^op FCO.Concept.183 - Financial Safety ⁿⁱ; relates to ^op FCO.Concept.184 - Financial Safety Net ⁿⁱ; version Info ^ap "0.1"

FCO.373ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.373

Knows how to calculate how long it will take to build a safety net that could cover three month’s income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.1 Creating a safety net ⁿⁱ; relates to ^op FCO.Concept.183 - Financial Safety ⁿⁱ; relates to ^op FCO.Concept.314 - Net Income ⁿⁱ; relates to ^op FCO.Concept.415 - Safety Net ⁿⁱ; version Info ^ap "0.1"

FCO.374ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.374

Understands the role of insurance in managing risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.1 Creating a safety net ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; version Info ^ap "0.1"

FCO.375ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.375

Builds and maintains an adequate financial safety net through savings, insurance and other financial products as necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.2.1 Creating a safety net ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.183 - Financial Safety ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; version Info ^ap "0.1"

FCO.376ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.376

Motivated to create a financial safety net

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 3.2.1 Creating a safety net ⁿⁱ; relates to ^op FCO.Concept.183 - Financial Safety ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; relates to ^op FCO.Concept.415 - Safety Net ⁿⁱ; version Info ^ap "0.1"

FCO.377ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.377

Motivated to purchase or update insurance against adverse events or outcomes with a financial consequence [where relevant]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 3.2.1 Creating a safety net ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; version Info ^ap "0.1"

FCO.378ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.378

Understands when financial risks can be more appropriately managed with or without insurance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; version Info ^ap "0.1"

FCO.379ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.379

Aware of the risk of being underinsured and costs of being overinsured

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; version Info ^ap "0.1"

FCO.38ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.38

Sets aside some income for retirement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.2.3 Income Needs ⁿⁱ; relates to ^op FCO.Concept.404 - Retirement ⁿⁱ; relates to ^op FCO.Concept.405 - Retirement Plan ⁿⁱ; relates to ^op FCO.Concept.406 - Retirement Saving ⁿⁱ; version Info ^ap "0.1"

FCO.380ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.380

Knows when insurance is a legal obligation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; version Info ^ap "0.1"

FCO.381ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.381

Knows which insurance products are designed for which situations

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.250 - Insurance Product ⁿⁱ; version Info ^ap "0.1"

FCO.382ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.382

Knows the difference between life and non-life insurance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.288 - Life Insurance ⁿⁱ; version Info ^ap "0.1"

FCO.383ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.383

Aware that insurance offers and insurance premia may be based partly on certain personal information that is processed via big data and other data analytics

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.105 - Digital Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.249 - Insurance Premia ⁿⁱ; version Info ^ap "0.1"

FCO.384ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.384

Considers the benefits of insurance when risks have been identified

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; version Info ^ap "0.1"

FCO.385ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.385

Uses appropriate insurance products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.250 - Insurance Product ⁿⁱ; version Info ^ap "0.1"

FCO.386ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.386

Periodically checks that the insurance held is still providing adequate cover

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.250 - Insurance Product ⁿⁱ; version Info ^ap "0.1"

FCO.387ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.387

Claims on the appropriate insurance if necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.250 - Insurance Product ⁿⁱ; version Info ^ap "0.1"

FCO.388ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.388

Takes steps to insure against low probability high cost events

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; relates to ^op FCO.Concept.410 - Risk Mitigation ⁿⁱ; version Info ^ap "0.1"

FCO.389ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.389

Takes into account the way in which certain actions and behaviours will impact on insurance coverage and insurance premia (including actions monitored through big data, where relevant)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.2.2 Choosing insurance ⁿⁱ; relates to ^op FCO.Concept.23 - Big Data ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.249 - Insurance Premia ⁿⁱ; version Info ^ap "0.1"

FCO.39ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.39

Motivated to find a way to generate sufficient income to preserve current and future standard of living

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.2.3 Income Needs ⁿⁱ; relates to ^op FCO.Concept.112 - Disposable Income ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.443 - Standard of Living ⁿⁱ; relates to ^op FCO.Concept.450 - Sufficient Income ⁿⁱ; version Info ^ap "0.1"

FCO.390ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.390

Aware of the existence of digital insurance providers and of new types of insurance offered by them (such as peer-to-peer, on-demand, usage-based insurances etc.)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.3 Digital insurance provision ⁿⁱ; relates to ^op FCO.Concept.105 - Digital Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.323 - Online Provider ⁿⁱ; version Info ^ap "0.1"

FCO.391ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.391

Aware that digital insurance providers and the products offered by them might function differently than traditional insurance providers

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.3 Digital insurance provision ⁿⁱ; relates to ^op FCO.Concept.105 - Digital Insurance ⁿⁱ; relates to ^op FCO.Concept.248 - Insurance Coverage ⁿⁱ; relates to ^op FCO.Concept.250 - Insurance Product ⁿⁱ; relates to ^op FCO.Concept.251 - Insurance Provider ⁿⁱ; version Info ^ap "0.1"

FCO.392ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.392

Aware of the ways to insure against climate-related risks

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.4 Insurance against climate related risks ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; relates to ^op FCO.Concept.410 - Risk Mitigation ⁿⁱ; version Info ^ap "0.1"

FCO.393ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.393

Able to assess the climate–related personal risks, and is able to insure against them, if appropriate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.2.4 Insurance against climate related risks ⁿⁱ; relates to ^op FCO.Concept.247 - Insurance ⁿⁱ; relates to ^op FCO.Concept.252 - Insurance Risk ⁿⁱ; relates to ^op FCO.Concept.440 - Specific Risk ⁿⁱ; version Info ^ap "0.1"

FCO.394ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.394

Aware of government support for individuals or households in financial difficulty, and under which circumstances this can be obtained

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.2.5 Government support ⁿⁱ; relates to ^op FCO.Concept.189 - Financial Support ⁿⁱ; relates to ^op FCO.Concept.210 - Government Support ⁿⁱ; relates to ^op FCO.Concept.223 - Household Finances ⁿⁱ; version Info ^ap "0.1"

FCO.395ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.395

Understands the relationship between risk and potential reward which means that if there is a high chance of making money on an investment there is also likely to be a high chance of losing money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.3.1 Relationship between risk and reward ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; relates to ^op FCO.Concept.365 - Potential Risk ⁿⁱ; relates to ^op FCO.Concept.408 - Risk ⁿⁱ; version Info ^ap "0.1"

FCO.396ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.396

Understands the purpose of investment diversification as a strategy to reduce the risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.3.1 Relationship between risk and reward ⁿⁱ; relates to ^op FCO.Concept.114 - Diversified Portfolio ⁿⁱ; relates to ^op FCO.Concept.262 - Investment Diversification ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; version Info ^ap "0.1"

FCO.397ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.397

Identifies the potential financial risks and rewards related to a decision that needs to be made

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.3.1 Relationship between risk and reward ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.301 - Managing Risk ⁿⁱ; version Info ^ap "0.1"

FCO.398ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.398

Compares the risk and reward of different financial investments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.3.1 Relationship between risk and reward ⁿⁱ; relates to ^op FCO.Concept.166 - Financial Investment ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; version Info ^ap "0.1"

FCO.399ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.399

Takes into account the need for asset growth, financial security, and one’s own sustainability preferences when considering investment risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.3.1 Relationship between risk and reward ⁿⁱ; relates to ^op FCO.Concept.272 - Investment Risk ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; version Info ^ap "0.1"

FCO.4ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.4

Takes into account the relative advantages and disadvantages of different forms of money when choosing which to use

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.1.1 Forms and use of Money ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; relates to ^op FCO.Concept.308 - Money Properties ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; version Info ^ap "0.1"

FCO.40ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.40

Aware that different jobs and career paths, including entrepreneurship, are associated with different levels of income over time

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.2.4 Impact of Career Path on Income ⁿⁱ; relates to ^op FCO.Concept.112 - Disposable Income ⁿⁱ; relates to ^op FCO.Concept.228 - Income ⁿⁱ; relates to ^op FCO.Concept.33 - Business Income ⁿⁱ; version Info ^ap "0.1"

FCO.400ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.400

Considers the risk of using credit for discretionary spending

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 3.3.1 Relationship between risk and reward ⁿⁱ; relates to ^op FCO.Concept.111 - Discretionary Expenditure ⁿⁱ; relates to ^op FCO.Concept.351 - Personal Credit ⁿⁱ; relates to ^op FCO.Concept.474 - Term Credit ⁿⁱ; version Info ^ap "0.1"

FCO.401ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.401

Understands that sustainability factors and governmental climate-related policies may have an impact on the level of risk and return of investments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.3.2 Sustainability implications on risk and reward ⁿⁱ; relates to ^op FCO.Concept.458 - Sustainability Factors ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; version Info ^ap "0.1"

FCO.402ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.402

Aware that environmental, social or governance risks may negatively affect the financial performance of a company

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 3.3.2 Sustainability implications on risk and reward ⁿⁱ; relates to ^op FCO.Concept.156 - Financial Consequence ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.208 - Governance Risks ⁿⁱ; version Info ^ap "0.1"

FCO.403ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.403

Understands that in the EU consumer protection measures apply equally to financial operations by regulated entities, whether carried out digitally or physically

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.178 - Financial Regulation ⁿⁱ; relates to ^op FCO.Concept.56 - Consumer Protection ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.404ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.404

Knows that financial service providers have a duty to treat consumers fairly and to ensure information is clear and transparent

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.244 - Informed Consumer ⁿⁱ; version Info ^ap "0.1"

FCO.405ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.405

Understands the roles of relevant financial regulators and financial authorities

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.178 - Financial Regulation ⁿⁱ; relates to ^op FCO.Concept.179 - Financial Regulator ⁿⁱ; version Info ^ap "0.1"

FCO.406ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.406

Aware of the possibility to check whether the provider is authorised/licenced by the relevant competent national authorities

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.323 - Online Provider ⁿⁱ; relates to ^op FCO.Concept.380 - Providers ⁿⁱ; relates to ^op FCO.Concept.427 - Service Provider ⁿⁱ; version Info ^ap "0.1"

FCO.407ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.407

Aware that some financial products and services may not be regulated and supervised at EU level or national level.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.178 - Financial Regulation ⁿⁱ; relates to ^op FCO.Concept.183 - Financial Safety ⁿⁱ; relates to ^op FCO.Concept.395 - Regulated Information ⁿⁱ; version Info ^ap "0.1"

FCO.408ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.408

Understands that some aspects of consumer protection rely on the consumer taking note of information provided

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.244 - Informed Consumer ⁿⁱ; relates to ^op FCO.Concept.56 - Consumer Protection ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.409ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.409

Checks that a financial service provider, whether operating physically or digitally, is authorised/registered/regulated by the competent national authorities to provide such service

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.178 - Financial Regulation ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.41ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.41

Takes practical steps to pursue a certain career or business idea, if relevant

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.2.4 Impact of Career Path on Income ⁿⁱ; relates to ^op FCO.Concept.32 - Business Idea ⁿⁱ; relates to ^op FCO.Concept.36 - Career Path ⁿⁱ; relates to ^op FCO.Concept.389 - Realistic Aspirations ⁿⁱ; version Info ^ap "0.1"

FCO.410ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.410

Reads and checks product information and disclosure documents, also when provided electronically

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.109 - Disclosure Documents ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; version Info ^ap "0.1"

FCO.411ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.411

Checks information about financial service providers that have contravened regulation or treated consumers unfairly

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.178 - Financial Regulation ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.412ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.412

Checks changes to financial regulation and consumer protection and their potential impact

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.178 - Financial Regulation ⁿⁱ; relates to ^op FCO.Concept.179 - Financial Regulator ⁿⁱ; relates to ^op FCO.Concept.56 - Consumer Protection ⁿⁱ; version Info ^ap "0.1"

FCO.413ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.413

Motivated to choose appropriate, trustworthy financial service providers

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.414ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.414

Motivated to find out the information that advisors, financial service providers and companies are legally obliged to provide to financial consumers

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.1.1 Consumer Protection Regulations ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.415ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.415

Aware of the existence of redress mechanisms and how to access them if necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.2 Complaints ⁿⁱ; relates to ^op FCO.Concept.109 - Disclosure Documents ⁿⁱ; relates to ^op FCO.Concept.393 - Redress Mechanism ⁿⁱ; relates to ^op FCO.Concept.395 - Regulated Information ⁿⁱ; version Info ^ap "0.1"

FCO.416ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.416

Aware of the existence of out-of-court dispute resolution mechanisms, including online alternative dispute resolution tools, and of how to select the most appropriate one

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.2 Complaints ⁿⁱ; relates to ^op FCO.Concept.113 - Dispute Resolution ⁿⁱ; relates to ^op FCO.Concept.313 - Negotiation ⁿⁱ; relates to ^op FCO.Concept.318 - Online Comparison ⁿⁱ; version Info ^ap "0.1"

FCO.417ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.417

Knows the relevant body in their jurisdiction where a complaint about products and services, including those sold online, can be deposited

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.2 Complaints ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.282 - Jurisdiction ⁿⁱ; relates to ^op FCO.Concept.324 - Online Transaction ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.418ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.418

Makes a complaint to the relevant department of a financial provider and, in a second step, to the relevant external body when necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.1.2 Complaints ⁿⁱ; relates to ^op FCO.Concept.113 - Dispute Resolution ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; version Info ^ap "0.1"

FCO.419ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.419

Confident to make a judgment on the quality of service and protection provided by a financial service provider

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.1.2 Complaints ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.183 - Financial Safety ⁿⁱ; version Info ^ap "0.1"

FCO.42ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.42

Confident to pursue a career choice or business idea and consider a job change, if relevant

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.2.4 Impact of Career Path on Income ⁿⁱ; relates to ^op FCO.Concept.35 - Career Choice ⁿⁱ; relates to ^op FCO.Concept.36 - Career Path ⁿⁱ; relates to ^op FCO.Concept.389 - Realistic Aspirations ⁿⁱ; version Info ^ap "0.1"

FCO.420ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.420

Is prepared to seek redress if things go wrong

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.1.2 Complaints ⁿⁱ; relates to ^op FCO.Concept.393 - Redress Mechanism ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; version Info ^ap "0.1"

FCO.421ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.421

Understands that consumers of financial services enjoy rights with respect to their personal data and that they have discretionary control over it

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; relates to ^op FCO.Concept.87 - Data Privacy ⁿⁱ; version Info ^ap "0.1"

FCO.422ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.422

Aware of the existence of national authorities in charge of data protection and of their role in a financial context

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.179 - Financial Regulator ⁿⁱ; relates to ^op FCO.Concept.88 - Data Protection ⁿⁱ; version Info ^ap "0.1"

FCO.423ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.423

Aware of the security implications on personal data of storing financial documents online

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; relates to ^op FCO.Concept.88 - Data Protection ⁿⁱ; version Info ^ap "0.1"

FCO.424ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.424

Understands that financial service providers and companies may store personal information: - To personalize offers based on the customer's stored profile, which is used to infer the customer's price sensitivity, product preferences and relevant behavior (e.g. in the context of telematics insurance) ; - To track certain relevant actions and behaviour of customers during the contract period (e.g. loan repayment history, driving behaviour based on telematics in the context of car insurance)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.303 - Marketing Information ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; relates to ^op FCO.Concept.355 - Personal Information ⁿⁱ; version Info ^ap "0.1"

FCO.425ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.425

Understands the (financial) consequences and risks of sharing or disclosing personal data (including identification numbers, account information, or other identifying information such as address, birth date or government-issued numbers) whether digitally or through other channels

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; relates to ^op FCO.Concept.355 - Personal Information ⁿⁱ; version Info ^ap "0.1"

FCO.426ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.426

Able to protect personal data online

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.319 - Online Identity ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; relates to ^op FCO.Concept.88 - Data Protection ⁿⁱ; version Info ^ap "0.1"

FCO.427ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.427

Assesses personal data requests by financial service providers to decide whether it is relevant to provide such information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; relates to ^op FCO.Concept.355 - Personal Information ⁿⁱ; version Info ^ap "0.1"

FCO.428ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.428

Appropriately manage one’s own digital footprint in a financial context, to the extent possible

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; version Info ^ap "0.1"

FCO.429ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.429

Avoid engaging in risky behaviours involving one’s own personal data in a financial context

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; relates to ^op FCO.Concept.355 - Personal Information ⁿⁱ; version Info ^ap "0.1"

FCO.43ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.43

Knows how to calculate and interpret meaningful unit prices of purchases, where relevant

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; relates to ^op FCO.Concept.55 - Consumer Price ⁿⁱ; relates to ^op FCO.Concept.59 - Convert Prices ⁿⁱ; version Info ^ap "0.1"

FCO.430ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.430

Confident to revoke authorisations to access, use, or store personal data from financial service providers and companies when necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.1.3 Personal Data Protection ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; relates to ^op FCO.Concept.225 - Identity Theft ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; version Info ^ap "0.1"

FCO.431ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.431

Aware of one's rights and obligations when purchasing a financial product or service

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.432ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.432

Aware of one's consumer rights related to e-commerce and online transactions, such as full price disclosure and conditions for exchanges / returns / refunds

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.244 - Informed Consumer ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.433ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.433

Aware of one's rights in the event of unauthorised or improperly executed payment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.317 - Ongoing Payments ⁿⁱ; relates to ^op FCO.Concept.333 - Payment Account ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; version Info ^ap "0.1"

FCO.434ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.434

Knows and understands the rights and responsibilities of consumers who fail to pay specific bills, including taxes and utilities

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.54 - Consumer ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.435ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.435

Knows the legal right to contest a decision taken by an algorithm

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.113 - Dispute Resolution ⁿⁱ; relates to ^op FCO.Concept.245 - Informed Decision ⁿⁱ; relates to ^op FCO.Concept.8 - Algorithm ⁿⁱ; relates to ^op FCO.Concept.9 - Algorithmic Decision ⁿⁱ; version Info ^ap "0.1"

FCO.436ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.436

Takes into account individual rights and responsibilities as a financial consumer

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.437ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.437

Reads the small print when choosing financial products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.174 - Financial Product Documentation ⁿⁱ; version Info ^ap "0.1"

FCO.438ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.438

Informs financial service providers of changes in circumstance where relevant or contractually obliged to do so

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.178 - Financial Regulation ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.439ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.439

Keeps statements and contracts, and records conversations and actions relating to potential maltreatment from financial service providers

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.44ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.44

Knows that the same goods or services may be priced differently depending on a variety of factors, such as the vendor, the location or the time of purchase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.206 - Goods and Services ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; version Info ^ap "0.1"

FCO.440ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.440

Ensures that creditors are aware of all relevant factors that may impact repayments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.399 - Repayment ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; relates to ^op FCO.Concept.95 - Debt Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.441ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.441

Applies for help to pay or defer specific bills in times of need [where available]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.189 - Financial Support ⁿⁱ; relates to ^op FCO.Concept.230 - Income Needs ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; version Info ^ap "0.1"

FCO.442ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.442

Values the rights of financial consumers

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.443ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.443

Motivated to research and exercise one's own rights as financial consumer

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.2.1 Consumer rights and responsibilities ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.444ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.444

Understands that there are various sources of information about financial products and services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; relates to ^op FCO.Concept.303 - Marketing Information ⁿⁱ; version Info ^ap "0.1"

FCO.445ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.445

Aware that all sources of information should be verified before being used

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.395 - Regulated Information ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; version Info ^ap "0.1"

FCO.446ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.446

Understands that information provided by financial service providers and companies on their products and services may be marketing information or biased information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.303 - Marketing Information ⁿⁱ; relates to ^op FCO.Concept.375 - Product Information ⁿⁱ; version Info ^ap "0.1"

FCO.447ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.447

Knows that it is possible to improve one’ financial literacy and financial well-being

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.161 - Financial Education ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; version Info ^ap "0.1"

FCO.448ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.448

Knows where to find reliable information on financial matters

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.168 - Financial Management ⁿⁱ; relates to ^op FCO.Concept.169 - Financial Matters ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; version Info ^ap "0.1"

FCO.449ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.449

Takes steps to be an informed consumer and verifies financial information before using it

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.244 - Informed Consumer ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; version Info ^ap "0.1"

FCO.45ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.45

Knows that the purchasing power of money can vary over time due to inflation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.164 - Financial Implication ⁿⁱ; relates to ^op FCO.Concept.239 - Inflation ⁿⁱ; relates to ^op FCO.Concept.383 - Purchasing Power ⁿⁱ; relates to ^op FCO.Concept.447 - Storage of Money ⁿⁱ; version Info ^ap "0.1"

FCO.450ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.450

Develops personal strategies and uses tools to minimise traits that impede financial well-being

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; version Info ^ap "0.1"

FCO.451ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.451

Makes use of tools designed to provide information when making financial decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.168 - Financial Management ⁿⁱ; relates to ^op FCO.Concept.482 - Trading Tools ⁿⁱ; version Info ^ap "0.1"

FCO.452ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.452

Finds, learns and remembers important facts and information about financial matters

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; relates to ^op FCO.Concept.169 - Financial Matters ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.453ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.453

Confident in one’s own ability to recognise trustworthy sources of information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.355 - Personal Information ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; version Info ^ap "0.1"

FCO.454ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.454

Confident to research financial matters and critically assess the information provided

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.3.1 Financial Information ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; relates to ^op FCO.Concept.169 - Financial Matters ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.455ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.455

Knows where to educate oneself on financial matters

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.2 Financial Education ⁿⁱ; relates to ^op FCO.Concept.161 - Financial Education ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; relates to ^op FCO.Concept.169 - Financial Matters ⁿⁱ; version Info ^ap "0.1"

FCO.456ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.456

Aware that some sources of financial education may not be impartial and may be hidden promotional material

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.2 Financial Education ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.161 - Financial Education ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; version Info ^ap "0.1"

FCO.457ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.457

Develops a habit of life-long learning to improve all aspects of financial literacy and financial well-being

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.3.2 Financial Education ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.161 - Financial Education ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; version Info ^ap "0.1"

FCO.458ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.458

Makes use of tools designed to improve one's financial literacy and to support financial decision-making

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.3.2 Financial Education ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.161 - Financial Education ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; version Info ^ap "0.1"

FCO.459ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.459

Motivated to use existing tools (e.g. mortgage calculator, budget calculator etc…) to support financial decision making and improve one’s own financial behaviour

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.3.2 Financial Education ⁿⁱ; relates to ^op FCO.Concept.163 - Financial Goals ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; version Info ^ap "0.1"

FCO.46ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.46

Knows that price is not the only relevant criterion to buy a specific product and that quality, terms and conditions also matter

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.373 - Price versus Quality ⁿⁱ; relates to ^op FCO.Concept.376 - Product Quality ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.476 - Terms and Conditions ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; version Info ^ap "0.1"

FCO.460ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.460

Confident in own ability to recognise trustworthy sources of education

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.3.2 Financial Education ⁿⁱ; relates to ^op FCO.Concept.127 - Education ⁿⁱ; relates to ^op FCO.Concept.161 - Financial Education ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; version Info ^ap "0.1"

FCO.461ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.461

Confident to pass on own knowledge about money matters [where relevant]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.3.2 Financial Education ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.161 - Financial Education ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; version Info ^ap "0.1"

FCO.462ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.462

Confident to apply lessons learned previously when making new financial decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.3.2 Financial Education ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.463ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.463

Aware that financial advice can be sought when making financial choices and knows when financial advice may be useful

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.3 Financial Advice ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.464ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.464

Aware of the difference between independent and non-independent source of investment advice (as defined under EU law)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.3 Financial Advice ⁿⁱ; relates to ^op FCO.Concept.259 - Investment Advice ⁿⁱ; relates to ^op FCO.Concept.261 - Investment Decision ⁿⁱ; relates to ^op FCO.Concept.273 - Investment Scheme ⁿⁱ; version Info ^ap "0.1"

FCO.465ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.465

Aware that various sources are available to access financial advice

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.3 Financial Advice ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; version Info ^ap "0.1"

FCO.466ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.466

Aware of the existence of digital advising tools, including robo and hybrid advice tools that combine human and robo advice

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.3 Financial Advice ⁿⁱ; relates to ^op FCO.Concept.107 - Digital Tools ⁿⁱ; relates to ^op FCO.Concept.413 - Roboadvisor ⁿⁱ; relates to ^op FCO.Concept.482 - Trading Tools ⁿⁱ; relates to ^op FCO.Concept.6 - Advising Tool ⁿⁱ; version Info ^ap "0.1"

FCO.467ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.467

Aware that advice is not always independent

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.3 Financial Advice ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.235 - Independent Advice ⁿⁱ; relates to ^op FCO.Concept.6 - Advising Tool ⁿⁱ; version Info ^ap "0.1"

FCO.468ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.468

Aware of financial advisors' obligation to ask clients about their sustainability preferences before giving advice

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.3 Financial Advice ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.151 - Financial Advisor ⁿⁱ; relates to ^op FCO.Concept.457 - Sustainability Criteria ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.469ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.469

Where necessary, makes use of tools designed to provide advice when making financial decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.3.3 Financial Advice ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; version Info ^ap "0.1"

FCO.47ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.47

Knows that the actual cost of a good or service may depend on factors such as taxes, exchange rates, shipping costs and customs’ duties (if ordered from outside the EU)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.432 - Shipping Conditions ⁿⁱ; relates to ^op FCO.Concept.433 - Shipping Costs ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; relates to ^op FCO.Concept.62 - Cost Comparison ⁿⁱ; version Info ^ap "0.1"

FCO.470ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.470

Confident in one’s own ability to recognize trustworthy sources of advice

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.3.3 Financial Advice ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; relates to ^op FCO.Concept.6 - Advising Tool ⁿⁱ; version Info ^ap "0.1"

FCO.471ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.471

Aware of the benefit of talking about financial matters with a wide range of trusted individuals

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.3.4 Discussing financial matters ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.169 - Financial Matters ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; version Info ^ap "0.1"

FCO.472ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.472

Talks with trusted individuals about money matters in an open and honest way

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.3.4 Discussing financial matters ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; relates to ^op FCO.Concept.307 - Money Matters ⁿⁱ; version Info ^ap "0.1"

FCO.473ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.473

Discusses relevant financial matters when talking to professionals

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.3.4 Discussing financial matters ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.169 - Financial Matters ⁿⁱ; version Info ^ap "0.1"

FCO.474ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.474

Confident to talk with others about money matters

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.3.4 Discussing financial matters ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; relates to ^op FCO.Concept.307 - Money Matters ⁿⁱ; relates to ^op FCO.Concept.447 - Storage of Money ⁿⁱ; version Info ^ap "0.1"

FCO.475ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.475

Relies on various insights before drawing conclusions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.3.4 Discussing financial matters ⁿⁱ; relates to ^op FCO.Concept.236 - Independent Decisions ⁿⁱ; relates to ^op FCO.Concept.245 - Informed Decision ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; version Info ^ap "0.1"

FCO.476ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.476

Aware of the different types of financial products and services available (including those delivered via digital means and those available only in specific regions or Member States)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.477ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.477

Knows which features are the most important to consider when choosing financial products and services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.478ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.478

Knows that financial services change over time

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.479ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.479

Knows that the financial product or service that is appropriate for an individual depends on a number of personal and household factors which may include economic, sustainability, or cultural preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.222 - Household Factors ⁿⁱ; version Info ^ap "0.1"

FCO.48ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.48

Knows how to calculate the final consumer price where this is not stated on the price ticket of an item

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.149 - Final Price ⁿⁱ; relates to ^op FCO.Concept.55 - Consumer Price ⁿⁱ; relates to ^op FCO.Concept.59 - Convert Prices ⁿⁱ; version Info ^ap "0.1"

FCO.480ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.480

That some financial products and services are designed to meet specific economic, sustainability, or cultural preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.481ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.481

Accounts for personal preferences, including sustainability preferences when considering different financial products or services and their characteristics.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; relates to ^op FCO.Concept.457 - Sustainability Criteria ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.482ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.482

Actively seeks information on the important features of a financial product when making a choice

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; version Info ^ap "0.1"

FCO.483ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.483

Uses comparison tools to evaluate the fees and other characteristics of financial products and services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.148 - Fees ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.486 - Transaction Fees ⁿⁱ; version Info ^ap "0.1"

FCO.484ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.484

Checks whether a financial product is covered by a guarantee before buying it

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.103 - Deposit Guarantee ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.250 - Insurance Product ⁿⁱ; version Info ^ap "0.1"

FCO.485ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.485

Periodically reassesses the suitability of financial products held

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; version Info ^ap "0.1"

FCO.486ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.486

Takes into account the potential cost of redeeming financial products in the event of a change of circumstance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.156 - Financial Consequence ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; version Info ^ap "0.1"

FCO.487ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.487

Demands high-quality financial products and services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.488ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.488

Change providers in the event of poor service or non-competitive prices

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.427 - Service Provider ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; version Info ^ap "0.1"

FCO.489ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.489

Motivated to periodically re-assess satisfaction with the service provided and change financial service provider if relevant

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.49ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.49

Knows that when purchasing products online, the price of identical goods or services may be different according to i.a. the consulted website or browsing history, the shipping conditions applied, or the location from where the purchase is made

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.121 - Dynamic Pricing ⁿⁱ; relates to ^op FCO.Concept.318 - Online Comparison ⁿⁱ; relates to ^op FCO.Concept.358 - Personalized Pricing ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.432 - Shipping Conditions ⁿⁱ; version Info ^ap "0.1"

FCO.490ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.490

Confident to ask financial service providers questions about their products and services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.491ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.491

Confident to assess the level of trust that can be invested in a particular financial service provider

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.492ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.492

Confident to negotiate terms with financial service providers when necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.155 - Financial Commitment ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; version Info ^ap "0.1"

FCO.493ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.493

Motivated to gain insight on how financial service providers define sustainability and integrate it in certain products and services offered

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.4.1 Characteristics of Financial Products and Services ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; relates to ^op FCO.Concept.455 - Sustainability Aspects ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; version Info ^ap "0.1"

FCO.494ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.494

Aware that some financial products such as savings, credit, pensions or insurance (depending on national circumstances) may be offered through non-financial organisations such as employers, shops, religious groups, leisure clubs and non-financial companies

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.2 Offers from non financial entities ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; version Info ^ap "0.1"

FCO.495ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.495

Aware of the potential risks of using financial products offered by non-financial organisations and ways of reducing these if necessary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.2 Offers from non financial entities ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; version Info ^ap "0.1"

FCO.496ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.496

Takes note of relevant financial products and services offered through non-financial organisations and makes an informed decision about their suitability

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.2 Offers from non financial entities ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; version Info ^ap "0.1"

FCO.497ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.497

Be able to determine one’s sustainability preferences, using reliable and regulated information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.3 Sustainability Preferences ⁿⁱ; relates to ^op FCO.Concept.454 - Sustainability ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.498ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.498

Able to explain one’s own preferences for financial products (e.g. in terms of risk or preferences, including one’s sustainability preferences)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.3 Sustainability Preferences ⁿⁱ; relates to ^op FCO.Concept.411 - Risk Preferences ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.499ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.499

Aims to choose financial products and services that are consistent with one’s sustainability preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.4.3 Sustainability Preferences ⁿⁱ; relates to ^op FCO.Concept.454 - Sustainability ⁿⁱ; relates to ^op FCO.Concept.455 - Sustainability Aspects ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.5ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.5

Motivated to learn about different forms of money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.1.1 Forms and use of Money ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; relates to ^op FCO.Concept.200 - Forms of Money ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; version Info ^ap "0.1"

FCO.50ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.50

Calculates or estimates the final price of a good or service

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; relates to ^op FCO.Concept.55 - Consumer Price ⁿⁱ; version Info ^ap "0.1"

FCO.500ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.500

Aware of the existence and meaning of various sustainable product standards and labels

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.4 Sustainability Labels and Standards ⁿⁱ; relates to ^op FCO.Concept.454 - Sustainability ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.501ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.501

Aware that in addition to standards defined in EU law, there could be standards set out in business practices, which may or may not be aligned with the standards defined in EU law

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.4 Sustainability Labels and Standards ⁿⁱ; relates to ^op FCO.Concept.123 - EU Taxonomy ⁿⁱ; relates to ^op FCO.Concept.178 - Financial Regulation ⁿⁱ; relates to ^op FCO.Concept.304 - Marketing Practices ⁿⁱ; version Info ^ap "0.1"

FCO.502ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.502

Aware of the existence of the EU taxonomy for sustainable economic activities

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.4 Sustainability Labels and Standards ⁿⁱ; relates to ^op FCO.Concept.123 - EU Taxonomy ⁿⁱ; relates to ^op FCO.Concept.454 - Sustainability ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.503ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.503

Makes informed decisions in line with one's sustainability preferences based on reliable standards and labels for financial products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.4 Sustainability Labels and Standards ⁿⁱ; relates to ^op FCO.Concept.456 - Sustainability Attributes ⁿⁱ; relates to ^op FCO.Concept.457 - Sustainability Criteria ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.504ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.504

Motivated to research existing standards and labels and to understand their meaning of

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.4.4 Sustainability Labels and Standards ⁿⁱ; relates to ^op FCO.Concept.304 - Marketing Practices ⁿⁱ; relates to ^op FCO.Concept.81 - Cultural Preferences ⁿⁱ; relates to ^op FCO.Concept.82 - Cultural Values ⁿⁱ; version Info ^ap "0.1"

FCO.505ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.505

Aware of disclosure requirements for companies, funds and other financial products and services, including sustainability-related disclosure requirements. Knows where to access these disclosure documents

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.5 Disclosure ⁿⁱ; relates to ^op FCO.Concept.109 - Disclosure Documents ⁿⁱ; relates to ^op FCO.Concept.110 - Disclosure Requirements ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; version Info ^ap "0.1"

FCO.506ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.506

Knows about sources of information to monitor the performance and the sustainability record of a fund

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.5 Disclosure ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; version Info ^ap "0.1"

FCO.507ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.507

Understands disclosure documents about companies, funds and other financial products and services, including sustainability-related disclosure documents

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.4.5 Disclosure ⁿⁱ; relates to ^op FCO.Concept.109 - Disclosure Documents ⁿⁱ; relates to ^op FCO.Concept.110 - Disclosure Requirements ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; version Info ^ap "0.1"

FCO.508ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.508

Able to research disclosed information related to a financial product, including that which covers sustainability aspects

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.5 Disclosure ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.375 - Product Information ⁿⁱ; version Info ^ap "0.1"

FCO.509ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.509

Able to make informed decisions in line with one's risk profile, sustainability preferences and other preferences based on the disclosure information provided on a fund, a company or a financial product and service

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.5 Disclosure ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.245 - Informed Decision ⁿⁱ; relates to ^op FCO.Concept.411 - Risk Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.51ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.51

Seeks ways to manage the impact of inflation on money held

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.239 - Inflation ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; relates to ^op FCO.Concept.447 - Storage of Money ⁿⁱ; version Info ^ap "0.1"

FCO.510ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.510

Holds funds accountable for their engagement commitments for instance by checking their voting records at annual general shareholder meetings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.4.5 Disclosure ⁿⁱ; relates to ^op FCO.Concept.109 - Disclosure Documents ⁿⁱ; relates to ^op FCO.Concept.428 - Shareholder Actions ⁿⁱ; relates to ^op FCO.Concept.430 - Shareholder Meetings ⁿⁱ; version Info ^ap "0.1"

FCO.511ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.511

Confident to ask for more information when this is not readily available

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.4.5 Disclosure ⁿⁱ; relates to ^op FCO.Concept.241 - Information ⁿⁱ; relates to ^op FCO.Concept.375 - Product Information ⁿⁱ; relates to ^op FCO.Concept.397 - Reliable Information ⁿⁱ; version Info ^ap "0.1"

FCO.512ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.512

Knows about the risks of financial scams and frauds when choosing and using financial services and making financial transactions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.513ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.513

Aware of the existence of fraudulent investment schemes

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.204 - Fraudulent Investment ⁿⁱ; relates to ^op FCO.Concept.273 - Investment Scheme ⁿⁱ; relates to ^op FCO.Concept.493 - Uninformed Investment ⁿⁱ; version Info ^ap "0.1"

FCO.514ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.514

Knows how to spot signs that something or someone may not be genuine

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.131 - Electronic Signature ⁿⁱ; relates to ^op FCO.Concept.201 - Fraud ⁿⁱ; relates to ^op FCO.Concept.203 - Fraud Techniques ⁿⁱ; version Info ^ap "0.1"

FCO.515ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.515

Knows where to get information about scam and fraud alerts and warnings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.401 - Reported Scams ⁿⁱ; version Info ^ap "0.1"

FCO.516ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.516

Aware of the authority to which to report scams and fraudulent behavior

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.401 - Reported Scams ⁿⁱ; version Info ^ap "0.1"

FCO.517ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.517

Stays informed about new scams and fraud techniques/schemes

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.203 - Fraud Techniques ⁿⁱ; relates to ^op FCO.Concept.401 - Reported Scams ⁿⁱ; version Info ^ap "0.1"

FCO.518ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.518

Makes an effort to scrutinize communications, offers and recommendations and consider whether they are genuine

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.303 - Marketing Information ⁿⁱ; relates to ^op FCO.Concept.304 - Marketing Practices ⁿⁱ; relates to ^op FCO.Concept.5 - Advertising ⁿⁱ; version Info ^ap "0.1"

FCO.519ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.519

Speaks only to verified representatives of financial institution

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; relates to ^op FCO.Concept.176 - Financial Provider ⁿⁱ; relates to ^op FCO.Concept.187 - Financial Services ⁿⁱ; version Info ^ap "0.1"

FCO.52ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.52

Seeks to buy goods and services at a fair price

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.146 - Fair Price ⁿⁱ; relates to ^op FCO.Concept.206 - Goods and Services ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; version Info ^ap "0.1"

FCO.520ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.520

Confident to question communications, offers and recommendations if they appear to be fraudulent

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.201 - Fraud ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.203 - Fraud Techniques ⁿⁱ; version Info ^ap "0.1"

FCO.521ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.521

Careful when carrying out online financial transactions in order to avoid becoming victim of fraud

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.324 - Online Transaction ⁿⁱ; version Info ^ap "0.1"

FCO.522ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.522

Confident to take the necessary steps when confronted with suspicious requests for information or actions (block bank card, inform authorities, etc…)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.203 - Fraud Techniques ⁿⁱ; relates to ^op FCO.Concept.225 - Identity Theft ⁿⁱ; version Info ^ap "0.1"

FCO.523ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.523

Motivated to learn how to detect and avoid scams and fraud

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.5.1 Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.201 - Fraud ⁿⁱ; relates to ^op FCO.Concept.203 - Fraud Techniques ⁿⁱ; version Info ^ap "0.1"

FCO.524ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.524

Understands the concept of greenwashing and its implications

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.2 Greenwashing ⁿⁱ; relates to ^op FCO.Concept.213 - Green Mortgages ⁿⁱ; relates to ^op FCO.Concept.214 - Greenwashing ⁿⁱ; relates to ^op FCO.Concept.454 - Sustainability ⁿⁱ; version Info ^ap "0.1"

FCO.525ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.525

Adapts investment decisions when one becomes aware of instances of greenwashing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.5.2 Greenwashing ⁿⁱ; relates to ^op FCO.Concept.213 - Green Mortgages ⁿⁱ; relates to ^op FCO.Concept.214 - Greenwashing ⁿⁱ; relates to ^op FCO.Concept.463 - Sustainable Investment ⁿⁱ; version Info ^ap "0.1"

FCO.526ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.526

Understands the importance of keeping personal data, financial information, and security information secure (including passwords and pin numbers)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.3 Personal Data Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.352 - Personal Data ⁿⁱ; relates to ^op FCO.Concept.355 - Personal Information ⁿⁱ; version Info ^ap "0.1"

FCO.527ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.527

Aware of kinds of risks stemming from digitalisation such as the misuse of personal financial data, cyber-crime, phishing, pharming and hacking attacks

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.3 Personal Data Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.105 - Digital Insurance ⁿⁱ; relates to ^op FCO.Concept.106 - Digital Security ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; version Info ^ap "0.1"

FCO.528ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.528

Understands how online/digital scams and fraud such as phishing and pharming work

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.3 Personal Data Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.203 - Fraud Techniques ⁿⁱ; relates to ^op FCO.Concept.401 - Reported Scams ⁿⁱ; version Info ^ap "0.1"

FCO.529ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.529

Understands the concept and implications of online identity theft

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.3 Personal Data Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.225 - Identity Theft ⁿⁱ; relates to ^op FCO.Concept.319 - Online Identity ⁿⁱ; relates to ^op FCO.Concept.320 - Online Identity Theft ⁿⁱ; version Info ^ap "0.1"

FCO.53ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.53

Confident to negotiate a fair price

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.1 Prices ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.371 - Price Negotiation ⁿⁱ; relates to ^op FCO.Concept.48 - Competitive Prices ⁿⁱ; version Info ^ap "0.1"

FCO.530ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.530

Understands that there are client authentication / authorization processes for both online and in-person payments to protect against fraud

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.3 Personal Data Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.324 - Online Transaction ⁿⁱ; relates to ^op FCO.Concept.37 - Client Authentication ⁿⁱ; version Info ^ap "0.1"

FCO.531ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.531

Takes practical steps to keep all personal data, financial information, passwords and pin numbers secure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.5.3 Personal Data Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.106 - Digital Security ⁿⁱ; relates to ^op FCO.Concept.88 - Data Protection ⁿⁱ; version Info ^ap "0.1"

FCO.532ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.532

Does not make any payment to lift products or accounts blocked by ransomware

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.5.3 Personal Data Scams and Fraud ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.333 - Payment Account ⁿⁱ; relates to ^op FCO.Concept.385 - Ransomware ⁿⁱ; relates to ^op FCO.Concept.402 - Reporting Scams ⁿⁱ; version Info ^ap "0.1"

FCO.533ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.533

Knows to whom to report suspected scams and frauds

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.4 Reporting Scams and Frauds ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.402 - Reporting Scams ⁿⁱ; version Info ^ap "0.1"

FCO.534ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.534

Identifies the sources available for information on reported scams and fraud

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.5.4 Reporting Scams and Frauds ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.402 - Reporting Scams ⁿⁱ; version Info ^ap "0.1"

FCO.535ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.535

Reports possible scams and frauds to the relevant bodies even if not personally a victim

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.5.4 Reporting Scams and Frauds ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.201 - Fraud ⁿⁱ; relates to ^op FCO.Concept.402 - Reporting Scams ⁿⁱ; version Info ^ap "0.1"

FCO.536ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.536

Confident to identify financial situations that are prone to scams or fraud, and to take actions to avoid becoming a victim of scams or fraud

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.5.4 Reporting Scams and Frauds ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.203 - Fraud Techniques ⁿⁱ; version Info ^ap "0.1"

FCO.537ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.537

Confident to identify a situation which is suspicious and may indicate that a scam or fraud has taken place

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.5.4 Reporting Scams and Frauds ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.203 - Fraud Techniques ⁿⁱ; relates to ^op FCO.Concept.402 - Reporting Scams ⁿⁱ; version Info ^ap "0.1"

FCO.538ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.538

Understands why taxes are collected and how they are used

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; relates to ^op FCO.Concept.473 - Taxes Owed ⁿⁱ; version Info ^ap "0.1"

FCO.539ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.539

Understands what can happen if taxes are not paid

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.466 - Tax ⁿⁱ; relates to ^op FCO.Concept.469 - Tax Obligation ⁿⁱ; relates to ^op FCO.Concept.473 - Taxes Owed ⁿⁱ; version Info ^ap "0.1"

FCO.54ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.54

Understands that information obtained through cost comparison tools available online may be incomplete, inaccurate or partial

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.2 Price Comparisons ⁿⁱ; relates to ^op FCO.Concept.318 - Online Comparison ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; version Info ^ap "0.1"

FCO.540ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.540

Knows how to check tax obligations

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.468 - Tax Authority ⁿⁱ; relates to ^op FCO.Concept.469 - Tax Obligation ⁿⁱ; relates to ^op FCO.Concept.473 - Taxes Owed ⁿⁱ; version Info ^ap "0.1"

FCO.541ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.541

Aware of the existence of deferred tax obligations where relevant

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.101 - Deferred Tax ⁿⁱ; relates to ^op FCO.Concept.469 - Tax Obligation ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; version Info ^ap "0.1"

FCO.542ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.542

Aware of current levels of basic taxes such as income tax and goods tax

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; relates to ^op FCO.Concept.85 - Current Income ⁿⁱ; version Info ^ap "0.1"

FCO.543ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.543

Aware of different tax treatments for various financial products held such as mortgages, pensions or savings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; relates to ^op FCO.Concept.472 - Tax Treatment ⁿⁱ; version Info ^ap "0.1"

FCO.544ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.544

Aware of the possibility of dealing with (some) tax matters online

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.467 - Tax Administration ⁿⁱ; relates to ^op FCO.Concept.468 - Tax Authority ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; version Info ^ap "0.1"

FCO.545ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.545

Pays taxes and/or claims tax refunds as appropriate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; relates to ^op FCO.Concept.471 - Tax Refund ⁿⁱ; relates to ^op FCO.Concept.473 - Taxes Owed ⁿⁱ; version Info ^ap "0.1"

FCO.546ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.546

Monitors personal obligations and rights in light of tax policies

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.468 - Tax Authority ⁿⁱ; relates to ^op FCO.Concept.469 - Tax Obligation ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; version Info ^ap "0.1"

FCO.547ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.547

Keeps in mind all tax obligations when budgeting and making longer-term financial plans

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.469 - Tax Obligation ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; version Info ^ap "0.1"

FCO.548ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.548

Takes into account tax treatments when choosing financial products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; relates to ^op FCO.Concept.472 - Tax Treatment ⁿⁱ; version Info ^ap "0.1"

FCO.549ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.549

Is able to use the online service offered by tax administrations to deal with tax matters

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.467 - Tax Administration ⁿⁱ; relates to ^op FCO.Concept.468 - Tax Authority ⁿⁱ; relates to ^op FCO.Concept.472 - Tax Treatment ⁿⁱ; version Info ^ap "0.1"

FCO.55ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.55

Compares the prices of similar goods sold through different channels (including brick-and-mortar and online providers)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.2 Price Comparisons ⁿⁱ; relates to ^op FCO.Concept.318 - Online Comparison ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.416 - Sales Channel ⁿⁱ; version Info ^ap "0.1"

FCO.550ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.550

Accepts that it is important to pay taxes owed

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.6.1 Taxes and tax treatments ⁿⁱ; relates to ^op FCO.Concept.469 - Tax Obligation ⁿⁱ; relates to ^op FCO.Concept.470 - Tax Policy ⁿⁱ; relates to ^op FCO.Concept.473 - Taxes Owed ⁿⁱ; version Info ^ap "0.1"

FCO.551ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.551

Understands how economic factors, such as a recession or high inflation, and other factors (for example related to the climate, the environment or pandemic diseases) can affect aspects of personal financial status, including wealth

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.7.1 External Influences ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.164 - Financial Implication ⁿⁱ; version Info ^ap "0.1"

FCO.552ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.552

Follows news of events that may impact on personal financial security or well-being

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.7.1 External Influences ⁿⁱ; relates to ^op FCO.Concept.152 - Financial Behaviour ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.186 - Financial Security ⁿⁱ; version Info ^ap "0.1"

FCO.553ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.553

Confident to make changes to financial plans as necessary in light of external factors

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.7.1 External Influences ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.554ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.554

Understands that changes to policies on issues such as state benefits, interest rates, pension reforms or employment laws can have an impact on personal financial decisions and plans

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.7.2 Macroeconomic Impact on Personal Finance ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.347 - Pension Reforms ⁿⁱ; relates to ^op FCO.Concept.349 - Pension Schemes ⁿⁱ; version Info ^ap "0.1"

FCO.555ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.555

Knows the main bodies with an influence on the economic and financial system

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.7.2 Macroeconomic Impact on Personal Finance ⁿⁱ; relates to ^op FCO.Concept.158 - Financial Context ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.170 - Financial Organisation ⁿⁱ; version Info ^ap "0.1"

FCO.556ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.556

Makes changes to financial plans when necessary based on an assessment of the impact of external factors

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.7.2 Macroeconomic Impact on Personal Finance ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.171 - Financial Plan ⁿⁱ; relates to ^op FCO.Concept.172 - Financial Planning ⁿⁱ; version Info ^ap "0.1"

FCO.557ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.557

Identifies strategies to ensure the resilience of financial asset to medium to long-term factors and risks (including climate-related risks)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.7.2 Macroeconomic Impact on Personal Finance ⁿⁱ; relates to ^op FCO.Concept.150 - Financial Advice ⁿⁱ; relates to ^op FCO.Concept.180 - Financial Resilience ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; version Info ^ap "0.1"

FCO.558ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.558

Recognizes that marketing practices, biased presentation of information, the media, peer pressure and social media can have an impact on personal financial decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.7.3 Advertising ⁿⁱ; relates to ^op FCO.Concept.244 - Informed Consumer ⁿⁱ; relates to ^op FCO.Concept.303 - Marketing Information ⁿⁱ; relates to ^op FCO.Concept.304 - Marketing Practices ⁿⁱ; version Info ^ap "0.1"

FCO.559ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.559

Understands that online adverts can be tailor-made

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.7.3 Advertising ⁿⁱ; relates to ^op FCO.Concept.147 - False Advertising ⁿⁱ; relates to ^op FCO.Concept.304 - Marketing Practices ⁿⁱ; relates to ^op FCO.Concept.5 - Advertising ⁿⁱ; version Info ^ap "0.1"

FCO.56ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.56

Able to use reliable online comparison tools, when available, that compare price, quality, terms and conditions of goods and services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.2 Price Comparisons ⁿⁱ; relates to ^op FCO.Concept.318 - Online Comparison ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; version Info ^ap "0.1"

FCO.560ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.560

Conscious of the role of advertising in promoting certain types of products or services and the impact of the personal digital footprint on the type of advertising that is shown online

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.7.3 Advertising ⁿⁱ; relates to ^op FCO.Concept.147 - False Advertising ⁿⁱ; relates to ^op FCO.Concept.304 - Marketing Practices ⁿⁱ; relates to ^op FCO.Concept.5 - Advertising ⁿⁱ; version Info ^ap "0.1"

FCO.561ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.561

Develops strategies to minimise unintended consequences of marketing practices, biased presentation of information (via interfaces) and social pressure on personal financial decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.7.3 Advertising ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.303 - Marketing Information ⁿⁱ; relates to ^op FCO.Concept.304 - Marketing Practices ⁿⁱ; version Info ^ap "0.1"

FCO.562ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.562

Takes steps to make objective decisions about the value of an advertised financial product or service

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 4.7.3 Advertising ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.173 - Financial Product ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; version Info ^ap "0.1"

FCO.563ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.563

Motivated to take action in case of false advertising

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 4.7.3 Advertising ⁿⁱ; relates to ^op FCO.Concept.147 - False Advertising ⁿⁱ; relates to ^op FCO.Concept.304 - Marketing Practices ⁿⁱ; relates to ^op FCO.Concept.5 - Advertising ⁿⁱ; version Info ^ap "0.1"

FCO.564ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.564

Understands that individual economic decisions have consequences on the sustainability of the economy, communities and society at large. Impact differs depending on the level of sustainability of the product or services purchased

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 4.7.4 Broader sustainability impact of personal finance decisions ⁿⁱ; relates to ^op FCO.Concept.454 - Sustainability ⁿⁱ; relates to ^op FCO.Concept.458 - Sustainability Factors ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; version Info ^ap "0.1"

FCO.57ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.57

Confident to make decisions using information from reliable (online) price comparison tools developed by impartial providers.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.2 Price Comparisons ⁿⁱ; relates to ^op FCO.Concept.226 - Impartial Information ⁿⁱ; relates to ^op FCO.Concept.318 - Online Comparison ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.53 - Conflict of Interest ⁿⁱ; version Info ^ap "0.1"

FCO.58ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.58

Understands that money spent to purchase a certain good or service is no longer available for something else [the concept of opportunity cost]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.143 - Expenditure ⁿⁱ; relates to ^op FCO.Concept.145 - Expenses ⁿⁱ; relates to ^op FCO.Concept.326 - Opportunity Cost ⁿⁱ; version Info ^ap "0.1"

FCO.59ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.59

Understands that irreversible costs made in the past should not influence purchase decisions today [applying the concept of sunk cost]

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.279 - Irreversible Actions ⁿⁱ; relates to ^op FCO.Concept.280 - Irreversible Cost ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.442 - Spending Decisions ⁿⁱ; relates to ^op FCO.Concept.452 - Sunk Cost ⁿⁱ; version Info ^ap "0.1"

FCO.6ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.6

Confident in using different forms of money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.1.1 Forms and use of Money ⁿⁱ; relates to ^op FCO.Concept.167 - Financial Literacy ⁿⁱ; relates to ^op FCO.Concept.200 - Forms of Money ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; relates to ^op FCO.Concept.447 - Storage of Money ⁿⁱ; version Info ^ap "0.1"

FCO.60ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.60

Knows that there can be substitutes for products, in some case including second-hand or refurbished ones, and services that may cost less than the one originally identified

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.3 - Additional Cost ⁿⁱ; relates to ^op FCO.Concept.368 - Price Comparison ⁿⁱ; relates to ^op FCO.Concept.377 - Products ⁿⁱ; relates to ^op FCO.Concept.449 - Substitution ⁿⁱ; version Info ^ap "0.1"

FCO.61ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.61

Knows that there can be complementary products and services necessary to use certain products or services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.375 - Product Information ⁿⁱ; relates to ^op FCO.Concept.377 - Products ⁿⁱ; relates to ^op FCO.Concept.49 - Complementary Product ⁿⁱ; version Info ^ap "0.1"

FCO.62ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.62

Knows applicable consumer rights when making purchases, especially online (i.e. return policies, information disclosure)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.242 - Information Disclosure ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.56 - Consumer Protection ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; version Info ^ap "0.1"

FCO.63ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.63

Recognises that adverts, special offers and the media can have a powerful impact on one’s perceived desirability of particular purchases

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.147 - False Advertising ⁿⁱ; relates to ^op FCO.Concept.303 - Marketing Information ⁿⁱ; relates to ^op FCO.Concept.4 - Advertisement ⁿⁱ; version Info ^ap "0.1"

FCO.64ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.64

Considers the overall value or utility of a potential purchase as well as its price

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.364 - Potential Purchase ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.498 - Utility ⁿⁱ; relates to ^op FCO.Concept.499 - Value ⁿⁱ; relates to ^op FCO.Concept.500 - Value Investment ⁿⁱ; version Info ^ap "0.1"

FCO.65ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.65

Where relevant and provided for in law, returns purchases made online or through other types of distance selling within the timeframe specified by law for a full refund.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.324 - Online Transaction ⁿⁱ; relates to ^op FCO.Concept.394 - Refund ⁿⁱ; relates to ^op FCO.Concept.407 - Return Policy ⁿⁱ; relates to ^op FCO.Concept.471 - Tax Refund ⁿⁱ; relates to ^op FCO.Concept.494 - Unplanned Purchase ⁿⁱ; version Info ^ap "0.1"

FCO.66ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.66

Develops strategies to avoid or minimise overspending, impulsive shopping and other unintended consequences of advertising and social pressure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.227 - Impulsive Shopping ⁿⁱ; relates to ^op FCO.Concept.330 - Overspending ⁿⁱ; relates to ^op FCO.Concept.417 - Sales Pressure ⁿⁱ; relates to ^op FCO.Concept.5 - Advertising ⁿⁱ; version Info ^ap "0.1"

FCO.67ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.67

Takes steps to make informed purchases

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.244 - Informed Consumer ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; version Info ^ap "0.1"

FCO.68ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.68

Considers sustainable alternatives to new purchases, such as reusing and recycling

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has context ^op Sustainability Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.454 - Sustainability ⁿⁱ; relates to ^op FCO.Concept.460 - Sustainability Preferences ⁿⁱ; relates to ^op FCO.Concept.462 - Sustainable Consumption ⁿⁱ; relates to ^op FCO.Concept.464 - Sustainable Product ⁿⁱ; version Info ^ap "0.1"

FCO.69ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.69

Confident to use the right to return purchases made online or through other types of distance selling, within the timeframe specified by law for a full refund, where relevant and provided for in law

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.494 - Unplanned Purchase ⁿⁱ; version Info ^ap "0.1"

FCO.7ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.7

Knows how to identify genuine notes and coins

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.1.2 Notes and Coins ⁿⁱ; relates to ^op FCO.Concept.131 - Electronic Signature ⁿⁱ; relates to ^op FCO.Concept.316 - Notes ⁿⁱ; relates to ^op FCO.Concept.41 - Coins ⁿⁱ; relates to ^op FCO.Concept.64 - Counterfeit Money ⁿⁱ; version Info ^ap "0.1"

FCO.70ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.70

Confident to say no to a sales offer that is unsatisfactory or unwanted, including online offers (i.e. pop-ups, online ads)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.147 - False Advertising ⁿⁱ; relates to ^op FCO.Concept.321 - Online Offers ⁿⁱ; relates to ^op FCO.Concept.364 - Potential Purchase ⁿⁱ; version Info ^ap "0.1"

FCO.71ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.71

Confident to resist pressure to make unplanned purchases

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.3 Purchases ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.417 - Sales Pressure ⁿⁱ; relates to ^op FCO.Concept.494 - Unplanned Purchase ⁿⁱ; version Info ^ap "0.1"

FCO.72ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.72

Understands the difference between various payments methods and knows how to use them safely (e.g. debit or credit card, online transfer services, bank transfer to a retail account, mobile/digital wallet, instant payment)

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.325 - Online Transfer ⁿⁱ; relates to ^op FCO.Concept.336 - Payment Methods ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; relates to ^op FCO.Concept.66 - Credit Card ⁿⁱ; relates to ^op FCO.Concept.89 - Debit Card ⁿⁱ; version Info ^ap "0.1"

FCO.73ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.73

Knows how to assess the potential risks and benefits of different payment methods

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.182 - Financial Risks ⁿⁱ; relates to ^op FCO.Concept.336 - Payment Methods ⁿⁱ; relates to ^op FCO.Concept.337 - Payment Risks ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; version Info ^ap "0.1"

FCO.74ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.74

Aware that some methods of payment are a form of borrowing and understands how this will affect the overall price paid and that different types of transaction have different implications for cash-flow

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.25 - Borrowing ⁿⁱ; relates to ^op FCO.Concept.336 - Payment Methods ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; relates to ^op FCO.Concept.75 - Credit Repayment ⁿⁱ; version Info ^ap "0.1"

FCO.75ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.75

Knows basic anti-money-laundering rules with respect to the use of cash and payments and complies with them

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.1 - AML Rules ⁿⁱ; relates to ^op FCO.Concept.185 - Financial Scams ⁿⁱ; relates to ^op FCO.Concept.306 - Money Laundering ⁿⁱ; relates to ^op FCO.Concept.64 - Counterfeit Money ⁿⁱ; version Info ^ap "0.1"

FCO.76ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.76

Aware that in the EU there is a right to a payment account with basic features regardless of a person's place of residence or financial situation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.333 - Payment Account ⁿⁱ; relates to ^op FCO.Concept.57 - Consumer Rights ⁿⁱ; relates to ^op FCO.Concept.72 - Credit Payment ⁿⁱ; version Info ^ap "0.1"

FCO.77ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.77

Aware that EU rules allow consumers to open and change bank accounts anywhere in the EU

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.17 - Bank ⁿⁱ; relates to ^op FCO.Concept.178 - Financial Regulation ⁿⁱ; relates to ^op FCO.Concept.18 - Bank Account ⁿⁱ; relates to ^op FCO.Concept.20 - Bank Balance ⁿⁱ; version Info ^ap "0.1"

FCO.78ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.78

Aware that a payment account with basic features can be offered by traditional and online credit institutions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.333 - Payment Account ⁿⁱ; relates to ^op FCO.Concept.74 - Credit Provider ⁿⁱ; version Info ^ap "0.1"

FCO.79ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.79

Aware of the existence of a quick procedure for consumers who want to switch their account from one bank to another

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.17 - Bank ⁿⁱ; relates to ^op FCO.Concept.2 - Account Switching ⁿⁱ; relates to ^op FCO.Concept.333 - Payment Account ⁿⁱ; version Info ^ap "0.1"

FCO.8ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.8

Aware that currencies or specific notes and coins may become obsolete over time as official money/means of payment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.1.2 Notes and Coins ⁿⁱ; relates to ^op FCO.Concept.197 - Foreign Currency ⁿⁱ; relates to ^op FCO.Concept.41 - Coins ⁿⁱ; relates to ^op FCO.Concept.447 - Storage of Money ⁿⁱ; relates to ^op FCO.Concept.83 - Currency ⁿⁱ; version Info ^ap "0.1"

FCO.80ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.80

Uses appropriate methods and technologies to make payments, taking into account the overall cost, risk and personal convenience of the method chosen

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.336 - Payment Methods ⁿⁱ; relates to ^op FCO.Concept.339 - Payment Technologies ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; version Info ^ap "0.1"

FCO.81ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.81

Able to execute online payments on different payment facilities, following digital security measures

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.106 - Digital Security ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.324 - Online Transaction ⁿⁱ; relates to ^op FCO.Concept.335 - Payment Facility ⁿⁱ; version Info ^ap "0.1"

FCO.82ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.82

Takes steps to use a payment account with basic features, if eligible

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.333 - Payment Account ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; version Info ^ap "0.1"

FCO.83ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.83

Take steps to use a payment account that fits individual needs and demands

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.333 - Payment Account ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; version Info ^ap "0.1"

FCO.84ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.84

Motivated to learn about different payment and transfer methods

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.336 - Payment Methods ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; relates to ^op FCO.Concept.488 - Transfer Methods ⁿⁱ; version Info ^ap "0.1"

FCO.85ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.85

Confident to use different payment and transfer methods and to choose the best ways to transfer money, while considering costs and risks

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Digital Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.310 - Money Transfer ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.336 - Payment Methods ⁿⁱ; relates to ^op FCO.Concept.488 - Transfer Methods ⁿⁱ; version Info ^ap "0.1"

FCO.86ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.86

Confident to request the opening of a payment account with basic features, if eligible

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.4 Payment Methods and Transferring Money ⁿⁱ; relates to ^op FCO.Concept.322 - Online Payments ⁿⁱ; relates to ^op FCO.Concept.333 - Payment Account ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; version Info ^ap "0.1"

FCO.87ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.87

Understands that mistakes can be made when making payments and purchases, and knows how to spot them on invoices, bills and receipts

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.5 Checking and Keeping Track of Payments and Purchases ⁿⁱ; relates to ^op FCO.Concept.157 - Financial Consumer ⁿⁱ; relates to ^op FCO.Concept.24 - Bill ⁿⁱ; relates to ^op FCO.Concept.277 - Invoice ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; relates to ^op FCO.Concept.390 - Receipt ⁿⁱ; version Info ^ap "0.1"

FCO.88ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.88

Knows that some receipts should be kept as evidence of a purchase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.5 Checking and Keeping Track of Payments and Purchases ⁿⁱ; relates to ^op FCO.Concept.109 - Disclosure Documents ⁿⁱ; relates to ^op FCO.Concept.139 - Evidence ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; version Info ^ap "0.1"

FCO.89ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.89

Checks payment details, receipts and change, invoices and bills where relevant

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.5 Checking and Keeping Track of Payments and Purchases ⁿⁱ; relates to ^op FCO.Concept.160 - Financial Document ⁿⁱ; relates to ^op FCO.Concept.334 - Payment Details ⁿⁱ; relates to ^op FCO.Concept.336 - Payment Methods ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; version Info ^ap "0.1"

FCO.9ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.9

Takes appropriate action if notes or coins are thought to be counterfeit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.1.2 Notes and Coins ⁿⁱ; relates to ^op FCO.Concept.131 - Electronic Signature ⁿⁱ; relates to ^op FCO.Concept.41 - Coins ⁿⁱ; relates to ^op FCO.Concept.64 - Counterfeit Money ⁿⁱ; version Info ^ap "0.1"

FCO.90ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.90

Requests a receipt if not provided and keeps receipts and other relevant documents related to important purchases

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.5 Checking and Keeping Track of Payments and Purchases ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.364 - Potential Purchase ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.485 - Transaction Documentation ⁿⁱ; version Info ^ap "0.1"

FCO.91ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.91

Keeps track of all money paid out or spent

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.5 Checking and Keeping Track of Payments and Purchases ⁿⁱ; relates to ^op FCO.Concept.299 - Managing Finances ⁿⁱ; relates to ^op FCO.Concept.300 - Managing Money ⁿⁱ; relates to ^op FCO.Concept.448 - Store Money ⁿⁱ; relates to ^op FCO.Concept.487 - Transaction Log ⁿⁱ; version Info ^ap "0.1"

FCO.92ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.92

Confident to double check when it appears that a mistake has been made with a payment or purchase and to act if this is the case

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.5 Checking and Keeping Track of Payments and Purchases ⁿⁱ; relates to ^op FCO.Concept.202 - Fraud Alerts ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; relates to ^op FCO.Concept.399 - Repayment ⁿⁱ; relates to ^op FCO.Concept.484 - Transaction Auditing ⁿⁱ; version Info ^ap "0.1"

FCO.93ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.93

Knows that some purchases may incur ongoing costs such as maintenance or storage

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.6 Implications of Purchases ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.297 - Maintenance Costs ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.494 - Unplanned Purchase ⁿⁱ; version Info ^ap "0.1"

FCO.94ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.94

Is aware when subscriptions end and if they will be renewed automatically

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Awareness, Knowledge and Understanding ⁿⁱ; in domain ^op 1.3.6 Implications of Purchases ⁿⁱ; relates to ^op FCO.Concept.244 - Informed Consumer ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.317 - Ongoing Payments ⁿⁱ; relates to ^op FCO.Concept.392 - Recurring Costs ⁿⁱ; version Info ^ap "0.1"

FCO.95ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.95

Takes into account long-term implications of subscriptions and other purchases requiring repeated payments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.6 Implications of Purchases ⁿⁱ; relates to ^op FCO.Concept.317 - Ongoing Payments ⁿⁱ; relates to ^op FCO.Concept.338 - Payment Schedule ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; version Info ^ap "0.1"

FCO.96ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.96

Makes an informed decision about the overall impact of options to spread payments over time

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.6 Implications of Purchases ⁿⁱ; relates to ^op FCO.Concept.159 - Financial Decision ⁿⁱ; relates to ^op FCO.Concept.245 - Informed Decision ⁿⁱ; relates to ^op FCO.Concept.253 - Interest Rate ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; relates to ^op FCO.Concept.478 - Time Value of Money ⁿⁱ; version Info ^ap "0.1"

FCO.97ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.97

Makes any ongoing payments as agreed

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.6 Implications of Purchases ⁿⁱ; relates to ^op FCO.Concept.317 - Ongoing Payments ⁿⁱ; relates to ^op FCO.Concept.340 - Payments ⁿⁱ; relates to ^op FCO.Concept.399 - Repayment ⁿⁱ; relates to ^op FCO.Concept.68 - Credit Culture ⁿⁱ; version Info ^ap "0.1"

FCO.98ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.98

Makes an informed decision about whether to make large purchases immediately or in the future

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Skills and Behaviour ⁿⁱ; in domain ^op 1.3.6 Implications of Purchases ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.359 - Planning ⁿⁱ; relates to ^op FCO.Concept.364 - Potential Purchase ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; version Info ^ap "0.1"

FCO.99ⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.99

Confident to apply knowledge of factors such as inflation and exchange rates when making a decision about whether to delay a purchase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence ^c
has facts: has context ^op Daily Life Competences ⁿⁱ; has context ^op Competences Concerning Large Populations ⁿⁱ; has context ^op Resilience Competences ⁿⁱ; has type ^op Confidence, Motivation and Attitudes ⁿⁱ; in domain ^op 1.3.6 Implications of Purchases ⁿⁱ; relates to ^op FCO.Concept.125 - Economic Factor ⁿⁱ; relates to ^op FCO.Concept.246 - Informed Purchase ⁿⁱ; relates to ^op FCO.Concept.382 - Purchase Decision ⁿⁱ; version Info ^ap "0.1"

FCO.Concept.1 - AML Rulesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.1

About AML Rules

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.10 - Annual General Shareholder Meetingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.10

About Annual General Shareholder Meeting

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.100 - Default Probabilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.100

About Default Probability

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.101 - Deferred Taxⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.101

About Deferred Tax

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.102 - Dependentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.102

About Dependents

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.103 - Deposit Guaranteeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.103

About Deposit Guarantee

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.104 - Digital Comparisonⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.104

About Digital Comparison

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.105 - Digital Insuranceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.105

About Digital Insurance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.106 - Digital Securityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.106

About Digital Security

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.107 - Digital Toolsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.107

About Digital Tools

Current version:: 0.1

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belongs to: Financial Concept ^c
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FCO.Concept.108 - Disability Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.108

About Disability Risk

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FCO.Concept.109 - Disclosure Documentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.109

About Disclosure Documents

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FCO.Concept.11 - Asset Allocationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.11

About Asset Allocation

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FCO.Concept.110 - Disclosure Requirementsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.110

About Disclosure Requirements

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FCO.Concept.111 - Discretionary Expenditureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.111

About Discretionary Expenditure

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FCO.Concept.112 - Disposable Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.112

About Disposable Income

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FCO.Concept.113 - Dispute Resolutionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.113

About Dispute Resolution

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FCO.Concept.114 - Diversified Portfolioⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.114

About Diversified Portfolio

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FCO.Concept.115 - Divestmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.115

About Divestment

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FCO.Concept.116 - Document Archiveⁿⁱ back to ToC or Named Individual ToC

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About Document Archive

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FCO.Concept.117 - Document Backupⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.117

About Document Backup

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FCO.Concept.118 - Documentationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.118

About Documentation

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FCO.Concept.119 - Documentation Accuracyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.119

About Documentation Accuracy

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FCO.Concept.12 - Asset Liquidityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.12

About Asset Liquidity

Current version:: 0.1

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FCO.Concept.120 - Documentation Completenessⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.120

About Documentation Completeness

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FCO.Concept.121 - Dynamic Pricingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.121

About Dynamic Pricing

Current version:: 0.1

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FCO.Concept.122 - ESG Principlesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.122

About ESG Principles

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FCO.Concept.123 - EU Taxonomyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.123

About EU Taxonomy

Current version:: 0.1

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FCO.Concept.124 - Earned Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.124

About Earned Income

Current version:: 0.1

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FCO.Concept.125 - Economic Factorⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.125

About Economic Factor

Current version:: 0.1

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FCO.Concept.126 - Economic Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.126

About Economic Risk

Current version:: 0.1

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FCO.Concept.127 - Educationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.127

About Education

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FCO.Concept.128 - Electronic Documentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.128

About Electronic Documents

Current version:: 0.1

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FCO.Concept.129 - Electronic Formⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.129

About Electronic Form

Current version:: 0.1

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FCO.Concept.13 - Asset and Liability Managementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.13

About Asset and Liability Management

Current version:: 0.1

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FCO.Concept.130 - Electronic Formatⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.130

About Electronic Format

Current version:: 0.1

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FCO.Concept.131 - Electronic Signatureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.131

About Electronic Signature

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FCO.Concept.132 - Emergency Savingsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.132

About Emergency Savings

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FCO.Concept.133 - Emerging Technologiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.133

About Emerging Technologies

Current version:: 0.1

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FCO.Concept.134 - End-of-Life Planningⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.134

About End-of-Life Planning

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FCO.Concept.135 - Environmental Footprintⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.135

About Environmental Footprint

Current version:: 0.1

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FCO.Concept.136 - Environmental Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.136

About Environmental Risk

Current version:: 0.1

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FCO.Concept.137 - Equityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.137

About Equity

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FCO.Concept.138 - Essential Spendingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.138

About Essential Spending

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FCO.Concept.139 - Evidenceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.139

About Evidence

Current version:: 0.1

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FCO.Concept.14 - Assetsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.14

About Assets

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FCO.Concept.140 - Exceptional Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.140

About Exceptional Income

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FCO.Concept.141 - Exchange Rateⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.141

About Exchange Rate

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FCO.Concept.142 - Expected Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.142

About Expected Income

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FCO.Concept.143 - Expenditureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.143

About Expenditure

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FCO.Concept.144 - Expense Managementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.144

About Expense Management

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FCO.Concept.145 - Expensesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.145

About Expenses

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FCO.Concept.146 - Fair Priceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.146

About Fair Price

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FCO.Concept.147 - False Advertisingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.147

About False Advertising

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FCO.Concept.148 - Feesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.148

About Fees

Current version:: 0.1

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FCO.Concept.149 - Final Priceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.149

About Final Price

Current version:: 0.1

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FCO.Concept.15 - Availability Biasⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.15

About Availability Bias

Current version:: 0.1

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FCO.Concept.150 - Financial Adviceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.150

About Financial Advice

Current version:: 0.1

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FCO.Concept.151 - Financial Advisorⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.151

About Financial Advisor

Current version:: 0.1

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FCO.Concept.152 - Financial Behaviourⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.152

About Financial Behaviour

Current version:: 0.1

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FCO.Concept.153 - Financial Brokerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.153

About Financial Broker

Current version:: 0.1

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FCO.Concept.154 - Financial Budgetⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.154

About Financial Budget

Current version:: 0.1

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FCO.Concept.155 - Financial Commitmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.155

About Financial Commitment

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FCO.Concept.156 - Financial Consequenceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.156

About Financial Consequence

Current version:: 0.1

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FCO.Concept.157 - Financial Consumerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.157

About Financial Consumer

Current version:: 0.1

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FCO.Concept.158 - Financial Contextⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.158

About Financial Context

Current version:: 0.1

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FCO.Concept.159 - Financial Decisionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.159

About Financial Decision

Current version:: 0.1

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FCO.Concept.16 - Backup Policyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.16

About Backup Policy

Current version:: 0.1

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belongs to: Financial Concept ^c
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FCO.Concept.160 - Financial Documentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.160

About Financial Document

Current version:: 0.1

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belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.161 - Financial Educationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.161

About Financial Education

Current version:: 0.1

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belongs to: Financial Concept ^c
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FCO.Concept.162 - Financial Fraudⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.162

About Financial Fraud

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
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FCO.Concept.163 - Financial Goalsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.163

About Financial Goals

Current version:: 0.1

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belongs to: Financial Concept ^c
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FCO.Concept.164 - Financial Implicationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.164

About Financial Implication

Current version:: 0.1

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belongs to: Financial Concept ^c
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FCO.Concept.165 - Financial Intermediaryⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.165

About Financial Intermediary

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.166 - Financial Investmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.166

About Financial Investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.167 - Financial Literacyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.167

About Financial Literacy

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.168 - Financial Managementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.168

About Financial Management

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
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FCO.Concept.169 - Financial Mattersⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.169

About Financial Matters

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.17 - Bankⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.17

About Bank

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
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FCO.Concept.170 - Financial Organisationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.170

About Financial Organisation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.171 - Financial Planⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.171

About Financial Plan

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.172 - Financial Planningⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.172

About Financial Planning

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.173 - Financial Productⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.173

About Financial Product

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.174 - Financial Product Documentationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.174

About Financial Product Documentation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.175 - Financial Product Innovationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.175

About Financial Product Innovation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.176 - Financial Providerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.176

About Financial Provider

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.177 - Financial Recordⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.177

About Financial Record

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.178 - Financial Regulationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.178

About Financial Regulation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.179 - Financial Regulatorⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.179

About Financial Regulator

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.18 - Bank Accountⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.18

About Bank Account

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.180 - Financial Resilienceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.180

About Financial Resilience

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.181 - Financial Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.181

About Financial Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.182 - Financial Risksⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.182

About Financial Risks

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.183 - Financial Safetyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.183

About Financial Safety

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.184 - Financial Safety Netⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.184

About Financial Safety Net

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.185 - Financial Scamsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.185

About Financial Scams

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.186 - Financial Securityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.186

About Financial Security

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.187 - Financial Servicesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.187

About Financial Services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.188 - Financial Shockⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.188

About Financial Shock

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.189 - Financial Supportⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.189

About Financial Support

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.19 - Bank Account Balanceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.19

About Bank Account Balance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.190 - Financial Well-beingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.190

About Financial Well-being

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.191 - Fixed Interest Rateⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.191

About Fixed Interest Rate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.192 - Fixed versus Variable Expenditureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.192

About Fixed versus Variable Expenditure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.193 - Flexible Credit Commitmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.193

About Flexible Credit Commitment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.194 - Forbearanceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.194

About Forbearance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.195 - Force Majeureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.195

About Force Majeure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.196 - Foreclosureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.196

About Foreclosure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.197 - Foreign Currencyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.197

About Foreign Currency

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.198 - Foreign Currency Loanⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.198

About Foreign Currency Loan

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.199 - Foreign Purchaseⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.199

About Foreign Purchase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.2 - Account Switchingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.2

About Account Switching

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.20 - Bank Balanceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.20

About Bank Balance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.200 - Forms of Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.200

About Forms of Money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.201 - Fraudⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.201

About Fraud

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.202 - Fraud Alertsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.202

About Fraud Alerts

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.203 - Fraud Techniquesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.203

About Fraud Techniques

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.204 - Fraudulent Investmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.204

About Fraudulent Investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.205 - Fundsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.205

About Funds

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.206 - Goods and Servicesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.206

About Goods and Services

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.207 - Governance Preferencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.207

About Governance Preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.208 - Governance Risksⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.208

About Governance Risks

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.209 - Government Benefitsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.209

About Government Benefits

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.21 - Benefitsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.21

About Benefits

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.210 - Government Supportⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.210

About Government Support

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.211 - Grace Periodⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.211

About Grace Period

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.212 - Green Mortgageⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.212

About Green Mortgage

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.213 - Green Mortgagesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.213

About Green Mortgages

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.214 - Greenwashingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.214

About Greenwashing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.215 - Gross Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.215

About Gross Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.216 - Guarantorⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.216

About Guarantor

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.217 - Health Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.217

About Health Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.218 - Hedgingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.218

About Hedging

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.219 - Household Assetsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.219

About Household Assets

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.22 - Bid-Ask Spreadⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.22

About Bid-Ask Spread

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.220 - Household Budgetⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.220

About Household Budget

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.221 - Household Eventsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.221

About Household Events

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.222 - Household Factorsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.222

About Household Factors

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.223 - Household Financesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.223

About Household Finances

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.224 - Household Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.224

About Household Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.225 - Identity Theftⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.225

About Identity Theft

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.226 - Impartial Informationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.226

About Impartial Information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.227 - Impulsive Shoppingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.227

About Impulsive Shopping

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.228 - Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.228

About Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.229 - Income Growthⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.229

About Income Growth

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.23 - Big Dataⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.23

About Big Data

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.230 - Income Needsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.230

About Income Needs

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.231 - Income Statementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.231

About Income Statement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.232 - Income Taxationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.232

About Income Taxation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.233 - Income Uncertaintyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.233

About Income Uncertainty

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.234 - Income Variabilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.234

About Income Variability

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.235 - Independent Adviceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.235

About Independent Advice

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.236 - Independent Decisionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.236

About Independent Decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.237 - Individual Financesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.237

About Individual Finances

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.238 - Individual Needsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.238

About Individual Needs

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.239 - Inflationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.239

About Inflation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.24 - Billⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.24

About Bill

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.240 - Inflation Rateⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.240

About Inflation Rate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.241 - Informationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.241

About Information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.242 - Information Disclosureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.242

About Information Disclosure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.243 - Information Storageⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.243

About Information Storage

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.244 - Informed Consumerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.244

About Informed Consumer

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.245 - Informed Decisionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.245

About Informed Decision

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.246 - Informed Purchaseⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.246

About Informed Purchase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.247 - Insuranceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.247

About Insurance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.248 - Insurance Coverageⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.248

About Insurance Coverage

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.249 - Insurance Premiaⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.249

About Insurance Premia

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.25 - Borrowingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.25

About Borrowing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.250 - Insurance Productⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.250

About Insurance Product

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.251 - Insurance Providerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.251

About Insurance Provider

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.252 - Insurance Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.252

About Insurance Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.253 - Interest Rateⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.253

About Interest Rate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.254 - Interest Rate Levelⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.254

About Interest Rate Level

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.255 - Interest-free Periodⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.255

About Interest-free Period

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.256 - Investingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.256

About Investing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.257 - Investing Conceptsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.257

About Investing Concepts

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.258 - Investmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.258

About Investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.259 - Investment Adviceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.259

About Investment Advice

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.26 - Borrowing Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.26

About Borrowing Money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.260 - Investment Behaviorⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.260

About Investment Behavior

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.261 - Investment Decisionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.261

About Investment Decision

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.262 - Investment Diversificationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.262

About Investment Diversification

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.263 - Investment Feesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.263

About Investment Fees

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.264 - Investment Horizonⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.264

About Investment Horizon

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.265 - Investment Managementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.265

About Investment Management

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.266 - Investment Monitoringⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.266

About Investment Monitoring

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.267 - Investment Objectivesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.267

About Investment Objectives

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.268 - Investment Offerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.268

About Investment Offer

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.269 - Investment Productⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.269

About Investment Product

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.27 - Budget Adjustmentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.27

About Budget Adjustments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.270 - Investment Researchⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.270

About Investment Research

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.271 - Investment Returnⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.271

About Investment Return

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.272 - Investment Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.272

About Investment Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.273 - Investment Schemeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.273

About Investment Scheme

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.274 - Investment Strategyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.274

About Investment Strategy

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.275 - Investment Value Changeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.275

About Investment Value Change

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.276 - Investmentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.276

About Investments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.277 - Invoiceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.277

About Invoice

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.278 - Irregular Expensesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.278

About Irregular Expenses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.279 - Irreversible Actionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.279

About Irreversible Actions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.28 - Budget Constraintⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.28

About Budget Constraint

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.280 - Irreversible Costⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.280

About Irreversible Cost

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.281 - Joint Ownershipⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.281

About Joint Ownership

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.282 - Jurisdictionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.282

About Jurisdiction

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.283 - Late Paymentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.283

About Late Payment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.284 - Leasingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.284

About Leasing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.285 - Legal Tenderⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.285

About Legal Tender

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.286 - Legal Valueⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.286

About Legal Value

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.287 - Lenderⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.287

About Lender

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.288 - Life Insuranceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.288

About Life Insurance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.289 - Life Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.289

About Life Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.29 - Budget versus Actual Analysisⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.29

About Budget versus Actual Analysis

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.290 - Life Stage Planningⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.290

About Life Stage Planning

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.291 - Life-long Learningⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.291

About Life-long Learning

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.292 - Liquidityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.292

About Liquidity

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.293 - Living Expensesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.293

About Living Expenses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.294 - Loanⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.294

About Loan

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.295 - Long-Term Planningⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.295

About Long-Term Planning

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.296 - Loss of Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.296

About Loss of Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.297 - Maintenance Costsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.297

About Maintenance Costs

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.298 - Managing Debtⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.298

About Managing Debt

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.299 - Managing Financesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.299

About Managing Finances

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.3 - Additional Costⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.3

About Additional Cost

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.30 - Budgeting Horizonⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.30

About Budgeting Horizon

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.300 - Managing Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.300

About Managing Money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.301 - Managing Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.301

About Managing Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.302 - Market Volatilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.302

About Market Volatility

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.303 - Marketing Informationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.303

About Marketing Information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.304 - Marketing Practicesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.304

About Marketing Practices

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.305 - Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.305

About Money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.306 - Money Launderingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.306

About Money Laundering

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.307 - Money Mattersⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.307

About Money Matters

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.308 - Money Propertiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.308

About Money Properties

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.309 - Money Securityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.309

About Money Security

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.31 - Budgeting Toolⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.31

About Budgeting Tool

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.310 - Money Transferⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.310

About Money Transfer

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.311 - Monitoringⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.311

About Monitoring

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.312 - Mortgageⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.312

About Mortgage

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.313 - Negotiationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.313

About Negotiation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.314 - Net Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.314

About Net Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.315 - Non-life Insuranceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.315

About Non-life Insurance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.316 - Notesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.316

About Notes

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.317 - Ongoing Paymentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.317

About Ongoing Payments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.318 - Online Comparisonⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.318

About Online Comparison

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.319 - Online Identityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.319

About Online Identity

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.32 - Business Ideaⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.32

About Business Idea

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.320 - Online Identity Theftⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.320

About Online Identity Theft

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.321 - Online Offersⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.321

About Online Offers

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.322 - Online Paymentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.322

About Online Payments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.323 - Online Providerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.323

About Online Provider

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.324 - Online Transactionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.324

About Online Transaction

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.325 - Online Transferⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.325

About Online Transfer

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.326 - Opportunity Costⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.326

About Opportunity Cost

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.327 - Out-of-court Dispute Resolutionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.327

About Out-of-court Dispute Resolution

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.328 - Over-indebtednessⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.328

About Over-indebtedness

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.329 - Overdraft Facilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.329

About Overdraft Facility

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.33 - Business Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.33

About Business Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.330 - Overspendingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.330

About Overspending

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.331 - Ownershipⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.331

About Ownership

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.332 - Paper Contractⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.332

About Paper Contract

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.333 - Payment Accountⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.333

About Payment Account

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.334 - Payment Detailsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.334

About Payment Details

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.335 - Payment Facilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.335

About Payment Facility

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.336 - Payment Methodsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.336

About Payment Methods

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.337 - Payment Risksⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.337

About Payment Risks

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.338 - Payment Scheduleⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.338

About Payment Schedule

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.339 - Payment Technologiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.339

About Payment Technologies

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.34 - Buy Now Pay Laterⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.34

About Buy Now Pay Later

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.340 - Paymentsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.340

About Payments

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.341 - Payslipⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.341

About Payslip

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.342 - Peer-to-peer Lendingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.342

About Peer-to-peer Lending

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.343 - Pensionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.343

About Pension

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.344 - Pension Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.344

About Pension Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.345 - Pension Pay-Out Phaseⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.345

About Pension Pay-Out Phase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.346 - Pension Productⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.346

About Pension Product

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.347 - Pension Reformsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.347

About Pension Reforms

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.348 - Pension Scheme Opt-outⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.348

About Pension Scheme Opt-out

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.349 - Pension Schemesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.349

About Pension Schemes

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.35 - Career Choiceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.35

About Career Choice

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.350 - Personal Convenienceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.350

About Personal Convenience

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.351 - Personal Creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.351

About Personal Credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.352 - Personal Dataⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.352

About Personal Data

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.353 - Personal Financial Managementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.353

About Personal Financial Management

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.354 - Personal Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.354

About Personal Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.355 - Personal Informationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.355

About Personal Information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.356 - Personal Prioritiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.356

About Personal Priorities

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.357 - Personal Strategiesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.357

About Personal Strategies

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.358 - Personalized Pricingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.358

About Personalized Pricing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.359 - Planningⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.359

About Planning

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.36 - Career Pathⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.36

About Career Path

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.360 - Political Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.360

About Political Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.361 - Portfolioⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.361

About Portfolio

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.362 - Portfolio Diversificationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.362

About Portfolio Diversification

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.363 - Potential Investmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.363

About Potential Investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.364 - Potential Purchaseⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.364

About Potential Purchase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.365 - Potential Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.365

About Potential Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.366 - Preferencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.366

About Preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.367 - Prepaymentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.367

About Prepayment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.368 - Price Comparisonⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.368

About Price Comparison

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.369 - Price Conversionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.369

About Price Conversion

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.37 - Client Authenticationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.37

About Client Authentication

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.370 - Price Disclosureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.370

About Price Disclosure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.371 - Price Negotiationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.371

About Price Negotiation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.372 - Price Volatilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.372

About Price Volatility

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.373 - Price versus Qualityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.373

About Price versus Quality

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.374 - Private Pensionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.374

About Private Pension

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.375 - Product Informationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.375

About Product Information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.376 - Product Qualityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.376

About Product Quality

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.377 - Productsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.377

About Products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.378 - Project Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.378

About Project Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.379 - Prospectusⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.379

About Prospectus

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.38 - Climate-related Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.38

About Climate-related Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.380 - Providersⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.380

About Providers

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.381 - Public Pensionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.381

About Public Pension

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.382 - Purchase Decisionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.382

About Purchase Decision

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.383 - Purchasing Powerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.383

About Purchasing Power

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.384 - Quotationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.384

About Quotation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.385 - Ransomwareⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.385

About Ransomware

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.386 - Rate Environmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.386

About Rate Environment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.387 - Real Interest Rateⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.387

About Real Interest Rate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.388 - Realised Lossesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.388

About Realised Losses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.389 - Realistic Aspirationsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.389

About Realistic Aspirations

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.39 - Cloud Storageⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.39

About Cloud Storage

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.390 - Receiptⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.390

About Receipt

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.391 - Recent Transactionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.391

About Recent Transaction

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.392 - Recurring Costsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.392

About Recurring Costs

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.393 - Redress Mechanismⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.393

About Redress Mechanism

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.394 - Refundⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.394

About Refund

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.395 - Regulated Informationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.395

About Regulated Information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.396 - Related Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.396

About Related Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.397 - Reliable Informationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.397

About Reliable Information

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.398 - Remittanceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.398

About Remittance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.399 - Repaymentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.399

About Repayment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.4 - Advertisementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.4

About Advertisement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.40 - Cognitive Biasⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.40

About Cognitive Bias

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.400 - Repayment Periodⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.400

About Repayment Period

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.401 - Reported Scamsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.401

About Reported Scams

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.402 - Reporting Scamsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.402

About Reporting Scams

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.403 - Required Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.403

About Required Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.404 - Retirementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.404

About Retirement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.405 - Retirement Planⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.405

About Retirement Plan

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.406 - Retirement Savingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.406

About Retirement Saving

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.407 - Return Policyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.407

About Return Policy

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.408 - Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.408

About Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.409 - Risk Horizonⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.409

About Risk Horizon

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.41 - Coinsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.41

About Coins

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.410 - Risk Mitigationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.410

About Risk Mitigation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.411 - Risk Preferencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.411

About Risk Preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.412 - Risk Toleranceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.412

About Risk Tolerance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.413 - Roboadvisorⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.413

About Roboadvisor

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.414 - Rotating Credit Facilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.414

About Rotating Credit Facility

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.415 - Safety Netⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.415

About Safety Net

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.416 - Sales Channelⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.416

About Sales Channel

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.417 - Sales Pressureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.417

About Sales Pressure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.418 - Savingsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.418

About Savings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.419 - Savingsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.419

About Savings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.42 - Collateralⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.42

About Collateral

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.420 - Savings Accountⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.420

About Savings Account

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.421 - Savings Bufferⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.421

About Savings Buffer

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.422 - Savings Goalⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.422

About Savings Goal

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.423 - Savings Methodsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.423

About Savings Methods

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.424 - Savings Productⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.424

About Savings Product

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.425 - Savings Targetⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.425

About Savings Target

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.426 - Secured Loanⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.426

About Secured Loan

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.427 - Service Providerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.427

About Service Provider

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.428 - Shareholder Actionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.428

About Shareholder Actions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.429 - Shareholder Engagementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.429

About Shareholder Engagement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.43 - Collective Investment Schemeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.43

About Collective Investment Scheme

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.430 - Shareholder Meetingsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.430

About Shareholder Meetings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.431 - Shareholder Rightsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.431

About Shareholder Rights

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.432 - Shipping Conditionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.432

About Shipping Conditions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.433 - Shipping Costsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.433

About Shipping Costs

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.434 - Short-term Creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.434

About Short-term Credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.435 - Social Contractsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.435

About Social Contracts

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.436 - Social Impactⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.436

About Social Impact

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.437 - Social Supportⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.437

About Social Support

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.438 - Social Tradingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.438

About Social Trading

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.439 - Sources of Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.439

About Sources of Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.44 - Collective Shareholder Actionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.44

About Collective Shareholder Action

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.440 - Specific Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.440

About Specific Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.441 - Spendingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.441

About Spending

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.442 - Spending Decisionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.442

About Spending Decisions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.443 - Standard of Livingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.443

About Standard of Living

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.444 - State Pensionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.444

About State Pension

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.445 - Stocksⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.445

About Stocks

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.446 - Storage Facilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.446

About Storage Facility

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.447 - Storage of Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.447

About Storage of Money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.448 - Store Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.448

About Store Money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.449 - Substitutionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.449

About Substitution

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.45 - Commissionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.45

About Commissions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.450 - Sufficient Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.450

About Sufficient Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.451 - Suitability Assessmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.451

About Suitability Assessment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.452 - Sunk Costⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.452

About Sunk Cost

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.453 - Supply Chainⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.453

About Supply Chain

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.454 - Sustainabilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.454

About Sustainability

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.455 - Sustainability Aspectsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.455

About Sustainability Aspects

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.456 - Sustainability Attributesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.456

About Sustainability Attributes

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.457 - Sustainability Criteriaⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.457

About Sustainability Criteria

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.458 - Sustainability Factorsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.458

About Sustainability Factors

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.459 - Sustainability Labelⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.459

About Sustainability Label

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.46 - Company Sharesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.46

About Company Shares

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.460 - Sustainability Preferencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.460

About Sustainability Preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.461 - Sustainability Ratingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.461

About Sustainability Rating

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.462 - Sustainable Consumptionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.462

About Sustainable Consumption

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.463 - Sustainable Investmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.463

About Sustainable Investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.464 - Sustainable Productⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.464

About Sustainable Product

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.465 - Sustainable Savings Productsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.465

About Sustainable Savings Products

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.466 - Taxⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.466

About Tax

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.467 - Tax Administrationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.467

About Tax Administration

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.468 - Tax Authorityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.468

About Tax Authority

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.469 - Tax Obligationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.469

About Tax Obligation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.47 - Comparison Toolⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.47

About Comparison Tool

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.470 - Tax Policyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.470

About Tax Policy

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.471 - Tax Refundⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.471

About Tax Refund

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.472 - Tax Treatmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.472

About Tax Treatment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.473 - Taxes Owedⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.473

About Taxes Owed

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.474 - Term Creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.474

About Term Credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.475 - Term Sheetⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.475

About Term Sheet

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.476 - Terms and Conditionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.476

About Terms and Conditions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.477 - Time Horizonⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.477

About Time Horizon

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.478 - Time Value of Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.478

About Time Value of Money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.479 - Timely Repaymentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.479

About Timely Repayment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.48 - Competitive Pricesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.48

About Competitive Prices

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.480 - Toolsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.480

About Tools

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.481 - Total Credit Costⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.481

About Total Credit Cost

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.482 - Trading Toolsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.482

About Trading Tools

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.483 - Transactionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.483

About Transaction

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.484 - Transaction Auditingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.484

About Transaction Auditing

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.485 - Transaction Documentationⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.485

About Transaction Documentation

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.486 - Transaction Feesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.486

About Transaction Fees

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.487 - Transaction Logⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.487

About Transaction Log

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.488 - Transfer Methodsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.488

About Transfer Methods

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.489 - Unearned Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.489

About Unearned Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.49 - Complementary Productⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.49

About Complementary Product

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.490 - Unemployment Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.490

About Unemployment Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.491 - Unexpected Expenseⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.491

About Unexpected Expense

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.492 - Unexpected Expensesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.492

About Unexpected Expenses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.493 - Uninformed Investmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.493

About Uninformed Investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.494 - Unplanned Purchaseⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.494

About Unplanned Purchase

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.495 - Unrealised Gains and Lossesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.495

About Unrealised Gains and Losses

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.496 - Unwanted Creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.496

About Unwanted Credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.497 - Uses of Fundsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.497

About Uses of Funds

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.498 - Utilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.498

About Utility

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.499 - Valueⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.499

About Value

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.5 - Advertisingⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.5

About Advertising

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.50 - Compound Interestⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.50

About Compound Interest

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.500 - Value Investmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.500

About Value Investment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.501 - Variable Expenditureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.501

About Variable Expenditure

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.502 - Variable Interest Rateⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.502

About Variable Interest Rate

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.503 - Wageⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.503

About Wage

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.504 - Working Ageⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.504

About Working Age

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.51 - Compulsory Retirementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.51

About Compulsory Retirement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.52 - Compulsory Retirement Savingsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.52

About Compulsory Retirement Savings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.53 - Conflict of Interestⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.53

About Conflict of Interest

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.54 - Consumerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.54

About Consumer

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.55 - Consumer Priceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.55

About Consumer Price

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.56 - Consumer Protectionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.56

About Consumer Protection

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.57 - Consumer Rightsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.57

About Consumer Rights

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.58 - Contractual Obligationsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.58

About Contractual Obligations

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.59 - Convert Pricesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.59

About Convert Prices

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.6 - Advising Toolⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.6

About Advising Tool

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.60 - Converter Toolⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.60

About Converter Tool

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.61 - Corporate Governanceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.61

About Corporate Governance

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.62 - Cost Comparisonⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.62

About Cost Comparison

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.63 - Cost of Creditⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.63

About Cost of Credit

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.64 - Counterfeit Moneyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.64

About Counterfeit Money

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.65 - Credit Aggreementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.65

About Credit Aggreement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.66 - Credit Cardⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.66

About Credit Card

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.67 - Credit Commitmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.67

About Credit Commitment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.68 - Credit Cultureⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.68

About Credit Culture

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.69 - Credit Facilityⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.69

About Credit Facility

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.7 - Agreementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.7

About Agreement

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.70 - Credit Installmentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.70

About Credit Installment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.71 - Credit Offerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.71

About Credit Offer

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.72 - Credit Paymentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.72

About Credit Payment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.73 - Credit Productⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.73

About Credit Product

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.74 - Credit Providerⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.74

About Credit Provider

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.75 - Credit Repaymentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.75

About Credit Repayment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.76 - Credit Riskⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.76

About Credit Risk

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.77 - Credit Scoreⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.77

About Credit Score

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.78 - Credit Scoringⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.78

About Credit Scoring

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.79 - Credit Scoring Systemⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.79

About Credit Scoring System

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.8 - Algorithmⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.8

About Algorithm

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.80 - Cryptocurrencyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.80

About Cryptocurrency

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.81 - Cultural Preferencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.81

About Cultural Preferences

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.82 - Cultural Valuesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.82

About Cultural Values

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.83 - Currencyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.83

About Currency

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.84 - Currency Converterⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.84

About Currency Converter

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.85 - Current Incomeⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.85

About Current Income

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.86 - Current Savingsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.86

About Current Savings

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.87 - Data Privacyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.87

About Data Privacy

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.88 - Data Protectionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.88

About Data Protection

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.89 - Debit Cardⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.89

About Debit Card

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.9 - Algorithmic Decisionⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.9

About Algorithmic Decision

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.90 - Debtⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.90

About Debt

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.91 - Debt Accrualⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.91

About Debt Accrual

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.92 - Debt Burdenⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.92

About Debt Burden

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.93 - Debt Levelsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.93

About Debt Levels

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.94 - Debt Managementⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.94

About Debt Management

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.95 - Debt Repaymentⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.95

About Debt Repayment

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.96 - Debt Repayment Difficultyⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.96

About Debt Repayment Difficulty

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.97 - Debt Serviceⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.97

About Debt Service

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.98 - Debt-to-Income Ratioⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.98

About Debt-to-Income Ratio

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

FCO.Concept.99 - Deductionsⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/FCO.Concept.99

About Deductions

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Financial Concept ^c
has facts: version Info ^ap "0.1"

Resilience Competencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/Resilience_Competences

For the purpose of this framework, financial resilience is defined as the ability of individuals or households to resist, cope with and recover from negative shocks with financial consequences. These shocks can be both macro (general) and micro (individual-specific). Important considerations in this respect are the prevention of (preventive action) and quick recovery from (capability to withstand) serious negative financial effects of shocks. Hence, financial resilience covers a wide universe of competences.

belongs to: Competence Context ^c

Skills and Behaviourⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/Skills_and_Behaviour

The dimension skills/behaviour describes competences related to actions and skills that have the objective of improving individual financial well-being.

Current version:: 0.1

Is defined by: https://www.openriskmanual.org/ns/fco

belongs to: Competence Type ^c
has facts: version Info ^ap "0.1"

Sustainability Competencesⁿⁱ back to ToC or Named Individual ToC

IRI: https://www.openriskmanual.org/ns/fco/Sustainability_Competences

Sustainability concerns have increasingly become more relevant for personal finance and there is currently a strong surge in sustainable financial products and services. In the EU, regulation related to sustainable finance, and notably to sustainability disclosures, is being developed at a high pace. This offers more opportunities for individuals to align their financial decisions with their sustainability preferences, which may also have broader societal implications. However, it may also increase complexity of the financial landscape in which they have to take their decisions. Adults should develop the knowledge, attitudes and skills that are necessary to make sound financial decisions that account for their sustainability (environmental, social and governance) preferences. Sustainable finance competences were covered to a limited extent in the 2016 G20/OECD INFE Core competencies framework on financial literacy for adults. They have now been better integrated in the new EU/OECD-INFE framework. The sustainable finance competences are formulated in a way to also accommodate expected developments. This is particularly challenging in view of the high pace of developments in the field of sustainable finance and the technical nature of some of the competences. Similarly to digital financial competences, sustainable finance competences are incorporated horizontally throughout the framework as sustainable finance is relevant to several aspects of personal finance, including beyond investment. Some of the most relevant sustainable finance competences that have been added refer to environmental impact of purchases, sustainability characteristics of investment products, sustainable investment, greenwashing, climate-related risks and sustainability labels. To make sustainable finance competences easier to identify in the framework they have been flagged in green in the printable version of the framework.

belongs to: Competence Context ^c

Cross-reference for A Financial Competence Ontology classes, object properties and data properties back to ToC

Classes

Competencec back to ToC or Class ToC

Competence Contextc back to ToC or Class ToC

Competence Domainc back to ToC or Class ToC

Competence SubTopicc back to ToC or Class ToC

Competence Topicc back to ToC or Class ToC

Competence Typec back to ToC or Class ToC

Financial Conceptc back to ToC or Class ToC

Object Properties

has contextop back to ToC or Object Property ToC

has typeop back to ToC or Object Property ToC

in domainop back to ToC or Object Property ToC

relates toop back to ToC or Object Property ToC

subdomain ofop back to ToC or Object Property ToC

Annotation Properties

abstractap back to ToC or Annotation Property ToC

contributorap back to ToC or Annotation Property ToC

descriptionap back to ToC or Annotation Property ToC

formatap back to ToC or Annotation Property ToC

licenseap back to ToC or Annotation Property ToC

referencesap back to ToC or Annotation Property ToC

rightsap back to ToC or Annotation Property ToC

titleap back to ToC or Annotation Property ToC

Named Individuals

1 Money and Transactionsni back to ToC or Named Individual ToC

1.1 Money and Currenciesni back to ToC or Named Individual ToC

1.1.1 Forms and use of Moneyni back to ToC or Named Individual ToC

1.1.2 Notes and Coinsni back to ToC or Named Individual ToC

1.1.3 Foreign Exchangeni back to ToC or Named Individual ToC

1.2 Incomeni back to ToC or Named Individual ToC

1.2.1 Sources of Incomeni back to ToC or Named Individual ToC

1.2.2 Pay Slips and Income Statementsni back to ToC or Named Individual ToC

1.2.3 Income Needsni back to ToC or Named Individual ToC

1.2.4 Impact of Career Path on Incomeni back to ToC or Named Individual ToC

1.3 Prices Purchases and Paymentsni back to ToC or Named Individual ToC

1.3.1 Pricesni back to ToC or Named Individual ToC

1.3.2 Price Comparisonsni back to ToC or Named Individual ToC

1.3.3 Purchasesni back to ToC or Named Individual ToC

1.3.4 Payment Methods and Transferring Moneyni back to ToC or Named Individual ToC

1.3.5 Checking and Keeping Track of Payments and Purchasesni back to ToC or Named Individual ToC

1.3.6 Implications of Purchasesni back to ToC or Named Individual ToC

1.3.7 Sustainability Aspects of Prices and Purchasesni back to ToC or Named Individual ToC

1.4 Financial Records and Contractsni back to ToC or Named Individual ToC

1.4.1 Understanding and Signing Contractsni back to ToC or Named Individual ToC

1.4.2 Financial Recordsni back to ToC or Named Individual ToC

2 Planning and managing financesni back to ToC or Named Individual ToC

2.1 Budgetingni back to ToC or Named Individual ToC

2.1.1 Monitoring income and expensesni back to ToC or Named Individual ToC

2.1.2 Drawing a budgetni back to ToC or Named Individual ToC

2.2 Managing Income and Expenditureni back to ToC or Named Individual ToC

2.2.1 Basics of managing income and expensesni back to ToC or Named Individual ToC

2.2.2 Managing irregular and unexpected income and expensesni back to ToC or Named Individual ToC

2.3 Savingni back to ToC or Named Individual ToC

2.3.1 Saving goals and prioritiesni back to ToC or Named Individual ToC

2.3.2 Savings buffersni back to ToC or Named Individual ToC

2.3.3 Interest ratesni back to ToC or Named Individual ToC

2.3.4 Choosing saving productsni back to ToC or Named Individual ToC

2.3.5 Managing savingsni back to ToC or Named Individual ToC

2.4 Investingni back to ToC or Named Individual ToC

2.4.1 Basics of investingni back to ToC or Named Individual ToC

2.4.2 Share and fund pricesni back to ToC or Named Individual ToC

2.4.3 Choosing and diversifying investmentsni back to ToC or Named Individual ToC

2.4.4 Crypto assets and related digital developmentsni back to ToC or Named Individual ToC

2.4.5 Shareholder rightsni back to ToC or Named Individual ToC

2.4.6 Sustainable investmentni back to ToC or Named Individual ToC

2.4.7 Commoditiesni back to ToC or Named Individual ToC

2.4.8 Factors influencing investment decisionsni back to ToC or Named Individual ToC

2.5 Longer Term Planning and Asset Buildingni back to ToC or Named Individual ToC

2.5.1 Basics of long term planningni back to ToC or Named Individual ToC

2.6 Retirementni back to ToC or Named Individual ToC

2.6.1 Basics of pension planningni back to ToC or Named Individual ToC

2.6.2 Categories of pension productsni back to ToC or Named Individual ToC

2.6.3 Managing pension productsni back to ToC or Named Individual ToC

2.6.4 Sustainability considerations for pensionsni back to ToC or Named Individual ToC

2.7 Creditni back to ToC or Named Individual ToC

2.7.1 Considerations before asking for creditni back to ToC or Named Individual ToC

2.7.2 Guarantors and collateralni back to ToC or Named Individual ToC

2.7.3 Choosing creditni back to ToC or Named Individual ToC

2.7.4 Risks of taking a creditni back to ToC or Named Individual ToC

Competence^c back to ToC or Class ToC

Competence Context^c back to ToC or Class ToC

Competence Domain^c back to ToC or Class ToC

Competence SubTopic^c back to ToC or Class ToC

Competence Topic^c back to ToC or Class ToC

Competence Type^c back to ToC or Class ToC

Financial Concept^c back to ToC or Class ToC

has context^op back to ToC or Object Property ToC

has type^op back to ToC or Object Property ToC

in domain^op back to ToC or Object Property ToC

relates to^op back to ToC or Object Property ToC

subdomain of^op back to ToC or Object Property ToC

abstract^ap back to ToC or Annotation Property ToC

contributor^ap back to ToC or Annotation Property ToC

description^ap back to ToC or Annotation Property ToC

format^ap back to ToC or Annotation Property ToC

license^ap back to ToC or Annotation Property ToC

references^ap back to ToC or Annotation Property ToC

rights^ap back to ToC or Annotation Property ToC

title^ap back to ToC or Annotation Property ToC