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PART I: ACCESS Protection of the financial consumers in the EU against unfair contract terms in the foreign currency loans 2 Unveiling Digital-Financial Exclusion Among the Elderly: Gaps in Knowledge and Methodology 3 Knowledge and competence requirements in the Mortgage Credit Directive: An adequate protection of financial illiterate consumers? 4. 5. PART II: DIGITALISATION 6 CBDCs and Vulnerable Consumers: Risks and Opportunities for Financial Inclusion and Access to Credit Open Banking and Consumer Protection: The Canadian Perspective Online Dispute Resolution as a Forum for Resolving Algorithmic Trading Error Dispute in Financial Market PART III: OVER-INDEBTEDNESS 9 The 2021 Reform of the Brazilian Consumer Code in Consumer Credit and Over-Indebtedness: Effectiveness and Unanswered Questions The in Duplum Rule in South Africa and Kenya: A Tool to Protect Over-indebted Consumers or Regulate Banking? 11 Buy Now, Pain Later? Over-Indebtedness of Young Individuals Conclusion |