L'educazione finanziaria degli individui e i pro e i contro della digitalizzazione nell'ambito delle scelte finanziarieNowadays, the access to Financial Markets is no more in the hands of traditional financial institutions. The emergence of FinTech companies leads to decentralization of the Financial Industry thanks to new digital financial products and services with lower costs for customers than long-established financial intitution. Another positive effect of FinTech companies is the increase level of competition that forces traditional companies to innovate their business models and value chain processes. However, it is "not all that glitters is gold". A decrease in the level of financial market concentration as well as a decentralization of financial industry result also in an increased number of risks (cyber and not) in which retail investors could incur, especially inexperienced, financial and digital illiterate individuals.