Introduction - discrimination, vulnerable consumers and financial inclusion (Stănescu & Gikay) -- Tackling issues in consumer credit : the role of human rights (Ondersma) -- Beyond negative interpretations of freedom of contract : the interplay between private law and human rights in light of...

Mobile money is an innovation that allows financial transactions to be performed via a cell phone. Even in poor regions of Africa, almost everyone has a cell phone; therefore, mobile money could both contribute to the continent’s economic growth and ensure that no Africans are excluded from...

Financial inclusion and financial literacy are receiving increasing attention for their potential to contribute to economic and financial development while fostering more inclusive growth and greater income equality. In general, the progress of financial inclusion and financial development in...

Digital finance is having an increasing impact across the world. However, amid debates about the promises and perils of the digitalization of financial services, consumer protection may not be a popular topic. In addition to confusion over the definitions of ‘consumer’ and ‘consumer...

"Financial services and products underpin all aspects of our lives. We rely on bank accounts to deposit money, receive salaries and pay our bills. We use mortgages to purchase our homes, insurance to protect our assets, and pension policies to save for our future. Access to financial services is...

The central goal of this paper is to investigate how to promote financial inclusion by addressing the gaps of consumer protection in Digital Financial Services (DFS). This paper provides policy recommendations that address the asymmetry between payment service providers and consumers. To achieve...