Cătălin-Gabriel Stănescu is Assistant Professor at the Centre for Market and Economic Law, University of Copenhagen.Asress Adimi Gikay is Lecturer at Brunel University London with his research focusing on Artificial Intelligence, Law and Ethics.

• Introduction – Discrimination, Vulnerable Consumers and Financial Inclusion PART I Tackling Issues in Consumer Credit: The Role of Human Rights Beyond Negative Interpretations of Freedom of Contract: The Interplay between Private Law and Human Rights in Light of the UN Convention on the Rights of Persons with Disabilities Anti-discrimination Efforts for Insurance Consumers: Legislation and Practice in Mainland China Vulnerability, Financial Inclusion, and the Heightened Relevance of Education in a Credit Crisis The Payments Revolution: Towards Financial Exclusion or Inclusion?PART II Inside the Black Box: the Impact of Machine Learning on the Creditworthiness Assessment Consumer Peer-to-Peer Lending and the Promise of Enhancing Access to Credit: Lessons from the Netherlands Digital Debt Collection. Opportunities, Abuses and Concerns Financial Conduct in the UK’s Banking Sector: Regulating to Protect Vulnerable Consumers Are Some Classes of Consumer-Investors of Collapsed Pyramid and Ponzi Schemes Vulnerable? A Multi-Jurisdictional Perspective

Cătălin-Gabriel Stănescu is Assistant Professor at the Centre for Market and Economic Law, University of Copenhagen.Asress Adimi Gikay is Lecturer at Brunel University London with his research focusing on Artificial Intelligence, Law and Ethics.

• Introduction – Discrimination, Vulnerable Consumers and Financial Inclusion PART I Tackling Issues in Consumer Credit: The Role of Human Rights Beyond Negative Interpretations of Freedom of Contract: The Interplay between Private Law and Human Rights in Light of the UN Convention on the Rights of Persons with Disabilities Anti-discrimination Efforts for Insurance Consumers: Legislation and Practice in Mainland China Vulnerability, Financial Inclusion, and the Heightened Relevance of Education in a Credit Crisis The Payments Revolution: Towards Financial Exclusion or Inclusion?PART II Inside the Black Box: the Impact of Machine Learning on the Creditworthiness Assessment Consumer Peer-to-Peer Lending and the Promise of Enhancing Access to Credit: Lessons from the Netherlands Digital Debt Collection. Opportunities, Abuses and Concerns Financial Conduct in the UK’s Banking Sector: Regulating to Protect Vulnerable Consumers Are Some Classes of Consumer-Investors of Collapsed Pyramid and Ponzi Schemes Vulnerable? A Multi-Jurisdictional Perspective

Cătălin-Gabriel Stănescu is Assistant Professor at the Centre for Market and Economic Law, University of Copenhagen.Asress Adimi Gikay is Lecturer at Brunel University London with his research focusing on Artificial Intelligence, Law and Ethics.

• Introduction – Discrimination, Vulnerable Consumers and Financial Inclusion PART I Tackling Issues in Consumer Credit: The Role of Human Rights Beyond Negative Interpretations of Freedom of Contract: The Interplay between Private Law and Human Rights in Light of the UN Convention on the Rights of Persons with Disabilities Anti-discrimination Efforts for Insurance Consumers: Legislation and Practice in Mainland China Vulnerability, Financial Inclusion, and the Heightened Relevance of Education in a Credit Crisis The Payments Revolution: Towards Financial Exclusion or Inclusion?PART II Inside the Black Box: the Impact of Machine Learning on the Creditworthiness Assessment Consumer Peer-to-Peer Lending and the Promise of Enhancing Access to Credit: Lessons from the Netherlands Digital Debt Collection. Opportunities, Abuses and Concerns Financial Conduct in the UK’s Banking Sector: Regulating to Protect Vulnerable Consumers Are Some Classes of Consumer-Investors of Collapsed Pyramid and Ponzi Schemes Vulnerable? A Multi-Jurisdictional Perspective