{"id":10055247,"date":"2020-05-14T15:32:07","date_gmt":"2020-05-14T13:32:07","guid":{"rendered":"https:\/\/www.fh-joanneum.at\/?post_type=projects&#038;p=55247"},"modified":"2021-04-21T10:26:09","modified_gmt":"2021-04-21T08:26:09","slug":"define-digitalized-financial-education-for-seniors","status":"publish","type":"project","link":"https:\/\/www.fh-joanneum.at\/en\/project\/define-digitalized-financial-education-for-seniors\/","title":{"rendered":"DEFINE &#8211; Digitalized Financial Education For Seniors"},"content":{"rendered":"<div class=\"wp-block-sidebar-layout-container margin-bottom-normal\">\n    <div\n        class=\"container-lg\"\n        style=\"--bs-gutter-x: 0;\"\n    >\n        <div\n            class=\"row\"\n            style=\"--bs-gutter-x: 0;\"\n        >\n            \n<div class=\"col-12 col-md-3 order-1 order-md-0 sidebar\">\n            \n<div\n    id=\"\"\n    class=\"wp-block-institute-card margin-bottom-normal\"\n>\n    <div class=\"container-lg\">\n                                    <div class=\"row justify-content-around\">\n                    <div class=\"col-8 col-sm-6 col-md-12\">\n                        <a\n        class=\"management institute-card\"\n        href=\"https:\/\/www.fh-joanneum.at\/en\/institute\/banking-and-insurance-industry\/\"\n        target=\"_self\"\n    >\n                            <div class=\"major-bg-color\">\n            <div class=\"wrapper\">\n                <div class=\"header\">\n                    <span>Institute<\/span>\n                <\/div>\n                <h4>Banking and Insurance Industry<\/h4>\n            <\/div>\n        <\/div>\n            <span><\/span>\n                    <\/a>\n                    <\/div>\n                <\/div>\n                        <\/div>\n<\/div>\n\n<div\n        id=\"\"\n        class=\"wp-block-person-card margin-bottom-normal\"\n    >\n        <div class=\"container-lg\">\n            <div class=\"row justify-content-around\">\n                <div class=\"col-8 col-sm-6 col-md-12\">\n                    <a href=\"https:\/\/www.fh-joanneum.at\/en\/university\/person\/anita-macek\"\n    class=\"person-card\">\n    <div class=\"border border-light h-100\">\n\n        <div class=\"image-wrapper\">\n            <picture>\n        <img decoding=\"async\"\n        class=\"img-fluid\"\n        src=\"https:\/\/online.fh-joanneum.at\/JOANNEUMonline\/visitenkarte.showImage?pPersonenGruppe=3&amp;pPersonenId=DC103CCBC8CF6D2C\"\n        alt=\"\"\n        title=\"\"\n                 onerror=\"this.src = 'https:\/\/www.fh-joanneum.at\/app\/themes\/fh\/public\/images\/avatar_dummy.e5edf9.png'\"     >\n<\/picture>\n\n        <\/div>\n        <div class=\"p-2 p-xl-3\">\n                            <p class=\"mb-1 hyphens\">Dr.<\/p>\n                        <h6>Anita Macek<\/h6>\n                        <p class=\"mb-0 hyphens\">\n              Senior Lecturer (FH)\n            <\/p>\n        <\/div>\n    <\/div>\n<\/a>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n<div\n        id=\"\"\n        class=\"wp-block-person-card margin-bottom-normal\"\n    >\n        <div class=\"container-lg\">\n            <div class=\"row justify-content-around\">\n                <div class=\"col-8 col-sm-6 col-md-12\">\n                    <a href=\"https:\/\/www.fh-joanneum.at\/en\/university\/person\/michael-murg\"\n    class=\"person-card\">\n    <div class=\"border border-light h-100\">\n\n        <div class=\"image-wrapper\">\n            <picture>\n        <img decoding=\"async\"\n        class=\"img-fluid\"\n        src=\"https:\/\/online.fh-joanneum.at\/JOANNEUMonline\/visitenkarte.showImage?pPersonenGruppe=3&amp;pPersonenId=64B98D8ADE02B352\"\n        alt=\"\"\n        title=\"\"\n                 onerror=\"this.src = 'https:\/\/www.fh-joanneum.at\/app\/themes\/fh\/public\/images\/avatar_dummy.e5edf9.png'\"     >\n<\/picture>\n\n        <\/div>\n        <div class=\"p-2 p-xl-3\">\n                            <p class=\"mb-1 hyphens\">Dr.<\/p>\n                        <h6>Michael Murg<\/h6>\n                            <p class=\"mb-1 hyphens\"> BA MSc MBA<\/p>\n                        <p class=\"mb-0 hyphens\">\n              Head of Institute\n            <\/p>\n        <\/div>\n    <\/div>\n<\/a>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n<div\n    id=\"\"\n    class=\"wp-block-text-card card margin-bottom-normal\"\n>\n    <div class=\"container-lg\">\n        <div class=\"row justify-content-around\">\n            <div class=\"col-8 col-sm-6 col-md-12\">\n                <div class=\"border border-light p-3\">\n                    <div class=\"module-migration-sidebar-ueberschrift-text\">\n<h4 class=\"field-migration-ueberschrift\">Project duration<\/h4>\n<p class=\"field-migration-text\">\n<p>01.10.2019 \u2013 30.09.2021<\/p>\n<\/p>\n<\/div>\n\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"\" class=\"wp-block-partner-card margin-bottom-normal\">\n  <div class=\"container-lg\">\n      <div class=\"row justify-content-around\">\n          <div class=\"col-8 col-sm-6 col-md-12\">\n              <a href=\"\">\n                  <div class=\"border border-light\">\n                      <picture>\n                        <source\n                media=\"(max-width: 487px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 487px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 487px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 487px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 487px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png 2x\"\n            \/>\n                <img decoding=\"async\"\n        class=\"img-fluid\"\n        src=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-2.png\"\n        alt=\"DEFINE - Digitalized Financial Education For Seniors 1\"\n        title=\"\"\n         loading=\"lazy\"             >\n<\/picture>\n\n                      <div class=\"p-3\">\n                          <p>Partner<\/p>\n                          <h4>Funding authority<\/h4>\n                          <p> <\/p>\n                      <\/div>\n                  <\/div>\n              <\/a>\n          <\/div>\n      <\/div>\n  <\/div>\n<\/div>\n\n<div\n    id=\"\"\n    class=\"wp-block-text-card card margin-bottom-normal\"\n>\n    <div class=\"container-lg\">\n        <div class=\"row justify-content-around\">\n            <div class=\"col-8 col-sm-6 col-md-12\">\n                <div class=\"border border-light p-3\">\n                    <div class=\"module-migration-sidebar-ueberschrift-text\">\n<h4 class=\"field-migration-ueberschrift\">Partner Institutions<\/h4>\n<p class=\"field-migration-text\">\n<ul>\n<li>FH JOANNEUM GESELLSCHAFT mbH (AT) \u2013 coordinator<\/li>\n<li>Volkshochschule Hannover (DE)<\/li>\n<li>UNIVERSIDAD DE ALICANTE (ES)<\/li>\n<li>E-SENIORS: INITIATION DES SENIORS AUXNTIC ASSOCIATION (FR)<\/li>\n<li>Associazione PROGETTO MARCONI (IT)<\/li>\n<li>VITALE TECNOLOGIE COMUNICAZIONE \u2013 VITECO SRL (IT)<\/li>\n<li>WIRTSCHAFTSKAMMER STEIERMARK (AT)<\/li>\n<\/ul>\n<\/div>\n\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<\/div>\n\n<div class=\"d-none d-md-flex col-md-1 seperator-column\"><\/div>\n<div class=\"col-12 col-md-8 order-0 order-md-1\">\n     \n<div\n    id=\"\"\n    class=\"wp-block-intro-text margin-bottom-normal\"\n>\n    <div class=\"container-lg\">\n        <div class=\"row\">\n            <div class=\"col\">\n                <div class=\"major-text-color fst-italic\"><div class=\"module-migration-intro-text\">\n<p class=\"field-migration-intro_textfield\">\n<p>The DEFINE project is set to upgrade seniors\u00b4 skills in handling online financial management services to increase their active participation at financial markets again, to decrease their costs of participation due to upgraded online IT skills, to enhance their investment possibilities and understanding which leads to a minimization of disadvantages and fraud of this target group.<\/p>\n<\/p>\n<\/div>\n<\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div\n    id=\"\"\n    class=\"wp-block-content-image margin-bottom-normal\"\n>\n    <div class=\"container-lg\">\n        <div class=\"row\">\n            <div class=\"col-12\">\n                <div  x-data=\"{ modal: false }\" >\n\n                    <div class=\"image-wrapper\">\n                        <picture>\n                        <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                <img decoding=\"async\"\n        class=\"img-fluid @if ($image_credit || $media_subtitle) mb-2 @endif @if ($lightbox) modal-trigger @endif\" @click=\"modal = !modal\" aria-expanded=\"false\"\n        src=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png\"\n        alt=\"DEFINE - Digitalized Financial Education For Seniors 2\"\n        title=\"\"\n         loading=\"lazy\"             >\n<\/picture>\n\n                                                                    <\/div>\n\n                                            <div\n                            class=\"modal-wrapper\"\n                            :class=\"{ 'active': modal }\"\n                        >\n                            <div\n                                class=\"backdrop\"\n                                x-show.transition.opacity.duration.600ms=\"modal\"\n                                @click=\"modal = false\"\n                                style=\"display: none;\"\n                            ><\/div>\n                            <button\n                                class=\"close-btn\"\n                                @click=\"modal = false\"\n                            >\n                                <svg class=\"fill\" id=\"icon-close\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n  <path d=\"m308 256l193-194c15-14 15-37 0-51-14-15-37-15-51 0l-194 193-194-193c-14-15-37-15-51 0-15 14-15 37 0 51l193 194-193 194c-15 14-15 37 0 51 7 7 16 11 26 11 9 0 18-4 25-11l194-193 194 193c7 7 16 11 25 11 10 0 19-4 26-11 15-14 15-37 0-51z\"\/>\n<\/svg>                            <\/button>\n                            <div class=\"modal-panel\">\n                                <picture>\n                        <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                    <source\n                media=\"(max-width: 166px)\"\n                srcset=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png, https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png 2x\"\n            \/>\n                <img decoding=\"async\"\n        class=\"img-fluid\"\n        src=\"https:\/\/cdn3.fh-joanneum.at\/media\/2020\/05\/define-digitalized-financial-education-for-seniors-3.png\"\n        alt=\"DEFINE - Digitalized Financial Education For Seniors 2\"\n        title=\"\"\n         loading=\"lazy\"             >\n<\/picture>\n\n                            <\/div>\n                        <\/div>\n                                    <\/div>\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"\" class=\"wp-block-text-content margin-bottom-normal\">\n    <div class=\"container-lg\">\n        <div class=\"row\">\n            <div class=\"col\">\n                <p>The DEFINE project is set to upgrade seniors&acute; skills in handling online financial management services to increase their active participation at financial markets again, to decrease their costs of participation due to upgraded online IT skills, to enhance their investment possibilities and understanding which leads to a minimization of disadvantages and fraud of this target group.<\/p>\n<p>Demographic ageing within the EU is likely to be of major significance in the coming decades. Low birth rates and higher life expectancy are transforming the shape of the EU-28&rsquo;s age pyramid. In the coming decades the share of older persons in the total population will increase significantly. Unlike younger generations, seniors have not grown up with technology, therefore they are increasingly getting marginalized due to digital illiteracy.<\/p>\n<p>Seniors rarely have people instructing and guiding them on how to use today&rsquo;s technologies, and it&rsquo;s often too complex for them to understand on their own. The DEFINE project aims to give these people the opportunity to get the needed skills via adult training providers\/centers.<\/p>\n\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<div\n    id=\"\"\n    class=\"wp-block-blockquote margin-bottom-normal\"\n>\n    <div class=\"container-lg\">\n        <div class=\"row\">\n            <div class=\"col\">\n                <div class=\"d-block mb-2 fs-5 major-text-color\">Our Goal Then and Now Is to Provide Quality on Digitalized Financial Education for Seniors<\/div>\n                <span class=\"d-flex justify-content-end\">Project Team<\/span>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"\" class=\"wp-block-text-content margin-bottom-none\">\n    <div class=\"container-lg\">\n        <div class=\"row\">\n            <div class=\"col\">\n                <div class=\"module-migration-headline\">\n<h3>Main Objectives<\/h3>\n<\/div>\n\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<div id=\"\" class=\"wp-block-text-content margin-bottom-normal\">\n    <div class=\"container-lg\">\n        <div class=\"row\">\n            <div class=\"col\">\n                <p>For many older adults the path to economic security begins with basic money management. Generally, the majority of seniors (above 60 years) are well familiar with financial management services that are available offline such as in banking or money management. When managing finances offline, in nowadays world higher costs are connected to this type of management given the additional efforts that need to be made which leads to disadvantages for the target group in terms of costs. Tasks once handled with paper money and human interaction are now being completed entirely on digital interfaces and solely online in order to facilitate processes of personal financial management. All these new developments such as online banking are generally supportive for financial management, still, the older adults are not able to follow these developments because of two reasons:<\/p>\n<ul>\n<li>IT skills and understanding is mostly missing<\/li>\n<li>Technological developments in finances are not understood well given the lack of digital technology skills<\/li>\n<\/ul>\n<p>Missing out on these skills currently leads to being a disadvantage group on the financial markets that cannot draw from the full source of offerings in terms of money management, budgeting and investments.<\/p>\n<p>Objective of DEFINE is to increase the skills on IT and technological developments in finances connected to money management, budgeting and investments. In order to achieve this goal learning scenario games in these areas will be developed for all of the participating countries to give seniors to learn to navigate. In addition to these scenario offline training materials, trainer guides and a handbook with additional material for offline trainings will be developed. Both, the learning scenario games and the offline materials will be used to complement each other.<\/p>\n<p>Demographic ageing within the EU is likely to be of major significance in the coming decades. Low birth rates and higher life expectancy are transforming the shape of the EU-28&rsquo;s age pyramid. In the coming decades the share of older persons in the total population will increase significantly. Unlike younger generations, seniors have not grown up with technology, therefore they are increasingly getting marginalized due to digital illiteracy.<\/p>\n<p>Seniors rarely have people instructing and guiding them on how to use today&rsquo;s technologies, and it&rsquo;s often too complex for them to understand on their own. The DEFINE project aims to give these people the opportunity to get the needed skills via adult training providers\/centers.<\/p>\n\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<div id=\"\" class=\"wp-block-links-block margin-bottom-normal\">\n    <div class=\"container-lg\">\n        <div class=\"row\">\n            <div class=\"col-12\">\n                <div>\n                    <h4><\/h4>\n                    \n                <\/div>\n            <\/div>\n                            <div class=\"col-12\">\n                    <div class=\" border-bottom  border-top py-3\">\n                                                    <a href=\"https:\/\/define.fh-joanneum.at\" target=\"_blank\" class=\"link arrow-link large-arrow major-text-color-hover text-decoration-none\" data-analytics=\"\" rel=\"noopener noreferrer\">\n                                <div class=\"link-content w-100\">\n                                    <div class=\"d-flex align-items-center\">\n                                        <h5 class=\"w-100  mb-0 me-2 \">\n                                            Define Project Website<\/h5>\n                                        <svg width=\"9\" height=\"15\" viewbox=\"0 0 9 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path id=\"chevron_right\" d=\"M1.5 1.5L7.5 7.5L1.5 13.5\" stroke=\"\" stroke-width=\"1.5\" stroke-linecap=\"round\"><\/path>\n<\/svg>                                    <\/div>\n                                    \n                                <\/div>\n                            <\/a>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"\" class=\"wp-block-text-content margin-bottom-none\">\n    <div class=\"container-lg\">\n        <div class=\"row\">\n            <div class=\"col\">\n                <div class=\"module-migration-headline\">\n<h3>What are the Main Outputs<\/h3>\n<\/div>\n\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<div id=\"\" class=\"wp-block-text-content margin-bottom-normal\">\n    <div class=\"container-lg\">\n        <div class=\"row\">\n            <div class=\"col\">\n                <ol>\n<li>\n<p>The DEFINE training, which will be developed by the project consortium with the input from different perspective. In total training materials for a minimum of 30 hours will be developed. The training materials will include online and offline parts whereas the offline parts will be face-to-face trainings with trainers and the online parts of the trainings will be covered by so called learning scenario games which will be accompanied by trainers during the face-to-face sessions. This means that both online and offline trainings will be well connected with each other. It is essential that the consortium works together in the development and implementation phase and each partner adds the knowledge according to their expertise.<\/p>\n<\/li>\n<li>\n<p>The DEFINE Transferability and Evaluation Handbook, which ensures that the DEFINE training materials created will be thoughtfully implemented to other countries or to other parts of the participating countries. For the consortium it is of utmost importance to create a sustainable impact on seniors to increase their participation at the online financial markets to decrease their disadvantages in terms of skills, possibilities and costs that is attractive, appealing, motivating, of highest quality thus sustainable and transferable.<\/p>\n<\/li>\n<\/ol>\n\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n<!-- TODO box styling anpassen, nach daten\u00fcbername -->\n    <div\n        id=\"\"\n        class=\"wp-block-socials margin-bottom-normal\"\n    >\n        <div class=\"container-lg\">\n            <div class=\"row border-top border-bottom align-items-center\">\n                <div class=\"col-12 col-lg-3 py-3 border-end-lg border-0\">\n                    <h4 class=\"m-0 text-center text-lg-start\">Social Media<\/h4>\n                <\/div>\n                <div class=\"col-12 col-lg-9\">\n                    <div class=\"socials d-flex flex-wrap align-items-center justify-content-around gap-2 gap-lg-0\">\n                                                    <a\n                                download\n                                href=\"https:\/\/www.facebook.com\/FinancialEducation4Seniors\/\"\n                                class=\"py-3 social-link align-self-center h-100 text-decoration-none text-center\"\n                            >\n                                <svg class=\"normal\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"40\" viewBox=\"0 0 20 40\" fill=\"none\">\n  <g clip-path=\"url(#clip0_62_180)\">\n    <path d=\"M12.981 39.5V21.7196H18.8762L19.7639 14.7821H12.9791V10.3776C12.9791 8.36496 13.541 6.99255 16.3715 6.99255H20V0.786246C18.2454 0.587581 16.4809 0.493603 14.7154 0.5048C9.49685 0.5048 5.92382 3.72063 5.92382 9.66483V14.7782H-0.000976562V21.7157H5.92382V39.5H12.981Z\" fill=\"black\"\/>\n  <\/g>\n  <defs>\n    <clipPath id=\"clip0_62_180\">\n      <rect width=\"20\" height=\"39\" fill=\"white\" transform=\"translate(0 0.5)\"\/>\n    <\/clipPath>\n  <\/defs>\n<\/svg>                                <svg class=\"hover\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"40\" viewBox=\"0 0 20 40\" fill=\"none\">\n  <g clip-path=\"url(#clip0_362_171)\">\n    <path d=\"M12.981 39.5V21.7196H18.8762L19.7639 14.7821H12.9791V10.3776C12.9791 8.36496 13.541 6.99255 16.3715 6.99255H20V0.786246C18.2454 0.587581 16.4809 0.493603 14.7154 0.5048C9.49685 0.5048 5.92382 3.72063 5.92382 9.66483V14.7782H-0.000976562V21.7157H5.92382V39.5H12.981Z\" fill=\"#3B5998\"\/>\n  <\/g>\n  <defs>\n    <clipPath id=\"clip0_362_171\">\n      <rect width=\"20\" height=\"39\" fill=\"white\" transform=\"translate(0 0.5)\"\/>\n    <\/clipPath>\n  <\/defs>\n<\/svg>                            <\/a>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n<\/div>\n\n\n        <\/div>\n    <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>The DEFINE project is set to upgrade seniors\u00b4 skills in handling online financial management services to increase their active participation at financial markets again, to decrease their costs of participation due to upgraded online IT skills, to enhance their investment possibilities and understanding which leads to a minimization of disadvantages and fraud of this target group.<\/p>\n","protected":false},"author":119,"featured_media":10072505,"template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.fh-joanneum.at\/en\/wp-json\/wp\/v2\/project\/10055247"}],"collection":[{"href":"https:\/\/www.fh-joanneum.at\/en\/wp-json\/wp\/v2\/project"}],"about":[{"href":"https:\/\/www.fh-joanneum.at\/en\/wp-json\/wp\/v2\/types\/project"}],"author":[{"embeddable":true,"href":"https:\/\/www.fh-joanneum.at\/en\/wp-json\/wp\/v2\/users\/119"}],"version-history":[{"count":0,"href":"https:\/\/www.fh-joanneum.at\/en\/wp-json\/wp\/v2\/project\/10055247\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fh-joanneum.at\/en\/wp-json\/wp\/v2\/media\/10072505"}],"wp:attachment":[{"href":"https:\/\/www.fh-joanneum.at\/en\/wp-json\/wp\/v2\/media?parent=10055247"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}