BETTER FINANCE – The European Federation of Investors and Financial Services Users – is a non-governmental organisation advocating at EU level for the interests of all European citizens as users of financial services. Together with our members, we promote financial education, conduct research and provide information on investments, savings and personal finance. We act as an independent financial expertise centre and engage with policy-makers and stakeholders to foster a sound financial system – a ‘better finance’ – for all. We work to the benefit of citizens as end users of financial services, including retail investors and other actors who are independent from the financial industry.