John O. S. Wilson is Professor of Banking & Finance and Director of the Centre for Responsible Banking & Finance at the University of St Andrews. His research focuses on financial institutions in Asia, Europe and North America. He has published over 70 refereed journal articles. He is the author/co-author of numerous textbooks and monographs. He also co-edited the first, second and third editions of the Oxford Handbook of Banking. Georgios A. Panos is Professor of Finance at the Adam Smith Business School of the University of Glasgow. He is working on issues of responsible finance and business and has been voted as a Poets & Quants Top 40 Under 40 MBA Professor for the year 2020. His early influential work on the behavioural determinants of business entry, performance and failure has been published at the Journal of Financial Economics and received prestigious awards for strengthening financial economic research and education. His most recent work on financial literacy received €1.6 million funding from the EU via the Horizon 2020 project "PROFIT: PROmoting FInancial awareness and sTability". His novel courses in responsible banking and development finance and his scholarly work on the educational curriculum in financial technology (FinTech) have led to the generation of new curricula and taught programmes at the Adam Smith Business School. He serves at the editorial teams of The European Journal of Finance, Small Business Economics: An Entrepreneurship Journal and the Journal of General Management. Chris Adcock is Honorary Professor of Finance in Sheffield University Management School and visiting Professor at University College Dublin. He worked as Professor of Quantitative Finance at SOAS – University of London and as Professor of Financial Econometrics at the University of Sheffield. His research interests are in portfolio selection, asset pricing theory and development of quantitative techniques for portfolio management. He is also the founding editor of The European Journal of Finance.

• Introduction: Financial literacy and responsible finance in the FinTech era: capabilities and challengesGeorgios A. Panos and John O. S. Wilson1. The effectiveness of smartphone apps in improving financial capabilityDeclan French, Donal McKillop and Elaine Stewart2. Cross-country variation in financial inclusion: a global perspectiveMais Sha'ban, Claudia Girardone and Anna Sarkisyan3. Measuring financial well-being over the lifecourseJ. Michael Collins and Carly Urban4. Financial literacy and financial well-being among generation-Z university students: Evidence from GreeceNikolaos D. Philippas and Christos Avdoulas5. Financial literacy and student debtNikolaos Artavanis and Soumya Karra6. Keep your customer knowledgeable: financial advisors as educatorsMilena Migliavacca7. Financial literacy and fraud detectionChristian Engels, Kamlesh Kumar and Dennis Philip

John O. S. Wilson is Professor of Banking & Finance and Director of the Centre for Responsible Banking & Finance at the University of St Andrews. His research focuses on financial institutions in Asia, Europe and North America. He has published over 70 refereed journal articles. He is the author/co-author of numerous textbooks and monographs. He also co-edited the first, second and third editions of the Oxford Handbook of Banking. Georgios A. Panos is Professor of Finance at the Adam Smith Business School of the University of Glasgow. He is working on issues of responsible finance and business and has been voted as a Poets & Quants Top 40 Under 40 MBA Professor for the year 2020. His early influential work on the behavioural determinants of business entry, performance and failure has been published at the Journal of Financial Economics and received prestigious awards for strengthening financial economic research and education. His most recent work on financial literacy received €1.6 million funding from the EU via the Horizon 2020 project "PROFIT: PROmoting FInancial awareness and sTability". His novel courses in responsible banking and development finance and his scholarly work on the educational curriculum in financial technology (FinTech) have led to the generation of new curricula and taught programmes at the Adam Smith Business School. He serves at the editorial teams of The European Journal of Finance, Small Business Economics: An Entrepreneurship Journal and the Journal of General Management. Chris Adcock is Honorary Professor of Finance in Sheffield University Management School and visiting Professor at University College Dublin. He worked as Professor of Quantitative Finance at SOAS – University of London and as Professor of Financial Econometrics at the University of Sheffield. His research interests are in portfolio selection, asset pricing theory and development of quantitative techniques for portfolio management. He is also the founding editor of The European Journal of Finance.

• Introduction: Financial literacy and responsible finance in the FinTech era: capabilities and challengesGeorgios A. Panos and John O. S. Wilson1. The effectiveness of smartphone apps in improving financial capabilityDeclan French, Donal McKillop and Elaine Stewart2. Cross-country variation in financial inclusion: a global perspectiveMais Sha'ban, Claudia Girardone and Anna Sarkisyan3. Measuring financial well-being over the lifecourseJ. Michael Collins and Carly Urban4. Financial literacy and financial well-being among generation-Z university students: Evidence from GreeceNikolaos D. Philippas and Christos Avdoulas5. Financial literacy and student debtNikolaos Artavanis and Soumya Karra6. Keep your customer knowledgeable: financial advisors as educatorsMilena Migliavacca7. Financial literacy and fraud detectionChristian Engels, Kamlesh Kumar and Dennis Philip

John O. S. Wilson is Professor of Banking & Finance and Director of the Centre for Responsible Banking & Finance at the University of St Andrews. His research focuses on financial institutions in Asia, Europe and North America. He has published over 70 refereed journal articles. He is the author/co-author of numerous textbooks and monographs. He also co-edited the first, second and third editions of the Oxford Handbook of Banking. Georgios A. Panos is Professor of Finance at the Adam Smith Business School of the University of Glasgow. He is working on issues of responsible finance and business and has been voted as a Poets & Quants Top 40 Under 40 MBA Professor for the year 2020. His early influential work on the behavioural determinants of business entry, performance and failure has been published at the Journal of Financial Economics and received prestigious awards for strengthening financial economic research and education. His most recent work on financial literacy received €1.6 million funding from the EU via the Horizon 2020 project "PROFIT: PROmoting FInancial awareness and sTability". His novel courses in responsible banking and development finance and his scholarly work on the educational curriculum in financial technology (FinTech) have led to the generation of new curricula and taught programmes at the Adam Smith Business School. He serves at the editorial teams of The European Journal of Finance, Small Business Economics: An Entrepreneurship Journal and the Journal of General Management. Chris Adcock is Honorary Professor of Finance in Sheffield University Management School and visiting Professor at University College Dublin. He worked as Professor of Quantitative Finance at SOAS – University of London and as Professor of Financial Econometrics at the University of Sheffield. His research interests are in portfolio selection, asset pricing theory and development of quantitative techniques for portfolio management. He is also the founding editor of The European Journal of Finance.

• Introduction: Financial literacy and responsible finance in the FinTech era: capabilities and challengesGeorgios A. Panos and John O. S. Wilson1. The effectiveness of smartphone apps in improving financial capabilityDeclan French, Donal McKillop and Elaine Stewart2. Cross-country variation in financial inclusion: a global perspectiveMais Sha'ban, Claudia Girardone and Anna Sarkisyan3. Measuring financial well-being over the lifecourseJ. Michael Collins and Carly Urban4. Financial literacy and financial well-being among generation-Z university students: Evidence from GreeceNikolaos D. Philippas and Christos Avdoulas5. Financial literacy and student debtNikolaos Artavanis and Soumya Karra6. Keep your customer knowledgeable: financial advisors as educatorsMilena Migliavacca7. Financial literacy and fraud detectionChristian Engels, Kamlesh Kumar and Dennis Philip