<< Background >>Digital financial literacy (DFL) becomes an increasingly important aspect of adult education for the Digital Age, especially in a COVID-19 hit world where women find themselves among most vulnerable groups due to she-cession, their withdrawal from labor markets around the world. Therefore, Partnership behind the #FLIGHT seeks to develop digital finance skills of Eastern European female expatriates for their better socio-economic inclusion into host communities, financial independency, personal growth and resilience as well as sustainable saving and investment patterns in Digital Age. If You are women, she-cession makes it even bigger priority to manage Your own income, savings, insurance, investments and other economic activities in smart and safe way. Digitally and financially literate women are more skilled, resilient and self-confident, and therefore more successful in securing safe and sustainable financial future for themselves, their children and families, thus reducing their poverty risk. With the help of #FLIGHT they will be able to have a higher level financial sophistication to make effective use of fintech products & services, avoid miss-selling, frauds such phishing, hacking or romance fraud, unauthorized use of data, discriminatory treatment and other costly mistakes. Economic behaviors of expatriates are highly dependent on the economic maturity of the state they come from, their individual financial literacy skills, the accumulated wealth, and the socio-economic policy measures hosting country imposes. For these reasons, the countries of the EU have quite significant structural differences, with the citizens from Eastern European member states or those outside the EU exhibiting poor diversity in the structure of the financial assets. This is determined by painful historical experiences of post-soviet societies. The digital financial market instruments are still a source of concern and fear for many, and they are choosing investments that can be grasped and made easier to understand, e. g. real estate or low-interest bank deposits.With its 1st objective, the #FLIGHT is about to improve overall DFL of Eastern European female expatriates, especially settled down in outnumbered ethnical communities in geographically remote areas in Scandinavian countries. Four training curricula (intellectual outputs) will be developed; on DFL improvement for participant personal needs and/or self-employment (IO1); on investment, especially eco/sustainable/green one, and on increasing one’s level of personal risk tolerance via online Personal Risk Tolerance Test (IO2); on digital identity safety and fraud, with an innovative tool for romance fraud simulation, based on human psychological patterns (IO3).All the above-mentioned curricula will undergo intense piloting in line with the methodology of the Help club (IO4), an informal network for female expatriates’ emotional support through sharing and caring as well as teamwork in practising saving, investment, self-employment, networking and other economic activities. The 2nd objective focuses on providing Eastern European female expatriates with better opportunities for their smoother socio-economic inclusion into host communities via linguistic support that will be provided as networking and piloting in local official languages. The combination of digital financial training along with practicing local official language makes the #FLIGHT deliverables unique and innovative, making female expatriates ready for the flight to the more financially secured future.<< Objectives >>Unsatisfactory economic conditions, insufficient local wages or even unemployment takes many of Eastern European women abroad as so-called economic migrants. Although working life in Scandinavia or Germany is among the most regulated in Europe, Eastern European workers are also here marginalized, invisible and to various degrees exploited. Their jobs are often poorly paid, poorly regulated, monotonous, dirty and sometimes dangerous, a study from Nord University (Norway) shows. And those who feel satisfied with, often live in ethnically-closed communities, in small apartments together with many others. In addition, the language barrier often makes it more difficult for them to be informed about opportunities for better employment or non-formal/informal adult education. If they eventually learned the language, some jobs are simply not available to Eastern Europeans. They are seldom called for interviews, and they seldom receive answers on their job applications. Eastern Europeans are for instance not viewed as suitable for customer service jobs, the field mostly dominated by women, Norwegian researchers point out.Economic migrants are expected to work hard and settle for little. Anyway, they manage to meet their own financial goals. However, their financial preferences remain poor, with realty as the top-notch for secure against inflation. By the way, Lithuanians stand out here for not diversifying their investments and directing them only to real estate. According to economists, this is a result of poor financial literacy in post-soviet countries. During the Soviet occupation, it was more difficult to buy one's own home, so when such an opportunity arose, people rushed to take advantage of it and were more sceptical about, for example, gold, artworks or securities with higher price fluctuations.Project outcomes will result in overall changes in Eastern European female expatriates socio-economic behavior because of their higher level of digital financial literacy, DFL, that will be achieved through 4 intellectual outputs.●Female economic migrants will develop sustainable DFL patterns, leading to their financial independence, self-employment practices, and more diverse saving tools & investments, including stock market, mutual lending platforms, alternative vehicles such as artworks or antiquities, etc.●Digitally and financially literate women will find themselves more confident, resilient and safe in on internet and other online platforms.●A Help Club, a female platform for practicing DFL skills, will provide participant women to show up as financial governors/managers, administrators/money counters, advisers/consultants, etc. Some of them hopefully will start their own individual entrepreneurial practices.<< Implementation >>The project will develop four intellectual products:IO1. DFL for personal needs and/or self-employment (course/curriculum –training scheme). Theoretical part will include fixed and variable expenses, digital tools for money management (apps; spreadsheets; bank reports, etc.); local taxation; commercial law basics, saving schemes and its diversification; retirement planning; loans and mortgages; factoring; wills and inheriting, etc. Leader – Germany + co-leader – Lithuania. IO2. Investments and Online Personal Risk Tolerance Test (course/curriculum –training scheme). Topic will include types of investment tools; their pros and contras; stock market participation; health and retirement investments; early retirement–worth or not; moneylending platforms; local bank/credit union for loan/mortgage/credit line, etc. For risk tolerance measuring an online Personal Risk Tolerance Test will be developed. Leader – Denmark + co-leader Norway. IO3. Digital Financial Identity Safety & Theft (course/curriculum – training scheme). Topics will include digital identity and its verification online; products, applications, processes used in providing banking and financial services; special attention paid to romance fraud (scamming someone out of money by pretending to want a relationship has been on the rise during lockdown; women more often become victims, with Lithuanian women alone lost some €130.000 in 2021 compared to €90.000 lost due to e-shopping fraud, Lithuanian Bank announced), etc. Leader – Norway + co-leader Lithuania. IO4, a Help Club, will be a piloting and networking field for the FLIGHT's intellectual outputs. It will look like an informal network for female project participants, allowing its members to raise and achieve their short, medium or long-term financial goals, providing them with practical training in money saving, money lending, investment, digital financial safety, etc. based on project intellectual outputs. Practical tasks for the piloting of IO1 will include e-invoicing; e-billing, cash/cashier operations, down payments/payments, balancing, general ledgers, other official e-documentation; preparation of commercial agreements; etc. Practical tasks in the IO2 piloting will be focused on investment risk tolerance, using Online Personal Risk Tolerance Test. The degree of uncertainty one is willing to take on to achieve potentially greater rewards. If an individual's risk tolerance is low, investments will be made conservatively and will include more low-risk investments and less high-risk investments, however the latter are more profitable.Practical training for IO3 will include digital identity protection situations, with ©Romance Fraud Simulating Tool used.Club is considered to be a silver bullet solving practical issues of women financial empowerment, especially increasing their self-confidence and resilience through networking.<< Results >>Partnership expects that project target group, Eastern European female expatriates, will1) Deepen their knowledge in digital and financial literacy, including but not limited to personal finance, taxation, investment, especially sustainable one, fintech products and services available in every partnering country and EU in general, 2) Raise their awareness in digital financial risks and their control, getting better skilled to manage them properly, 3) Increase their knowledge of consumer rights and redress procedures;4) Get peer-to-peer support, sharing and caring in Help clubs, the informal networks for practicing digital financial literacy skills.