How Naval Institute cadets learn to hold the digital defense

A secure future begins not with the first paycheck, but with the first conscious financial decision. As part of the Global Money Week initiative, a series of lectures for cadets of the Naval Institute, organized by the Academic Hub Pivdenny project speakers, has officially launched.

Three sessions featured real-world practical cases and dozens of questions from future officers.

Vitalii Hahauz, Director of the Valuation and Collateral Operations Department at Pivdenny Bank, highlighted key aspects of personal resource management and explained how small daily expenses can be 'toxic' and how proper financial habits represent a long-term investment.

“It is important not only to earn but also to manage resources consciously. Every action today is your tomorrow,” Vitalii Hahauz said.

Serhii Sheludko, Head of the Analytical and Methodological Support Unit of the Valuation and Collateral Operations Department, conducted a deep ‘intensive’ on lending. They discussed the difference between nominal and effective interest rates, hidden fees, insurance, and repayment schemes, using car and mortgage loans as examples.

“What is more important right now – money or time? The answer to this specific question determines your choice of a credit instrument,” Serhii Sheludko noted.

The final lecture analyzed the main threats that every user of banking applications and social networks faces, because cybercriminals are constantly improving their methods, and the weakest link usually remains the human factor.

During a series of meetings, cadets received practical tools – from the basics of personal money management to comprehensive cyber protection.

Let’s form the right guidelines together! After all, a responsible attitude toward finances is the foundation of stability and independence.