Understanding what a financial product or service is, what it offers, how to use it, how to benefit from it is a necessary requirement for Togolese adults to make best use of available resources. Similarly, an individual’s characteristics, perceptions and behaviour influences his ability to engage, take-up and utilise a financial product. However, influencing an individual’s will and attitude could go a long way in ‘making financial products work for the poor’. According to FinScope Togo 2016, only 24% of adults exhibit good financial literacy traits – a combination of positive financial perceptions, awareness and behaviour. While 42% could be considered as moderate (or medium), a good 34% exhibit low financial literacy. A dedicated financial literacy programme could be used to ‘teach’ and encourage sound financial management and practices.