Ewa Lechman is Professor of Economics at the Faculty of Management and Economics at Gdańsk University of Technology, Poland.Adam Marszk is Assistant Professor at the Faculty of Management and Economics at Gdańsk University of Technology, Poland.

• 1. Internet banking: A new digital divide between the European regions? 2. Different faces of digital financial inclusion across countries 3. ICT, financial markets and their impact on firms' performance and internationalisation 4. Determinants of the Sustainability of microfinance institutions: Delineating the role of digitization of micro finance services 5. Impact of digital technologies on reliability of risk forecasting models - case study of enterprises in three global financial market regions 6. Digital financial services, gendered digital divide, and financial inclusion: Evidence from South Asia 7. Intraday price reaction to filing bankruptcy and restructuring proceedings - the evidence from Poland 8. Money market digitization consequences on financial inclusion of businesses at the base of the pyramid in Nigeria

Ewa Lechman is Professor of Economics at the Faculty of Management and Economics at Gdańsk University of Technology, Poland.Adam Marszk is Assistant Professor at the Faculty of Management and Economics at Gdańsk University of Technology, Poland.

• 1. Internet banking: A new digital divide between the European regions? 2. Different faces of digital financial inclusion across countries 3. ICT, financial markets and their impact on firms' performance and internationalisation 4. Determinants of the Sustainability of microfinance institutions: Delineating the role of digitization of micro finance services 5. Impact of digital technologies on reliability of risk forecasting models - case study of enterprises in three global financial market regions 6. Digital financial services, gendered digital divide, and financial inclusion: Evidence from South Asia 7. Intraday price reaction to filing bankruptcy and restructuring proceedings - the evidence from Poland 8. Money market digitization consequences on financial inclusion of businesses at the base of the pyramid in Nigeria

Ewa Lechman is Professor of Economics at the Faculty of Management and Economics at Gdańsk University of Technology, Poland.Adam Marszk is Assistant Professor at the Faculty of Management and Economics at Gdańsk University of Technology, Poland.

• 1. Internet banking: A new digital divide between the European regions? 2. Different faces of digital financial inclusion across countries 3. ICT, financial markets and their impact on firms' performance and internationalisation 4. Determinants of the Sustainability of microfinance institutions: Delineating the role of digitization of micro finance services 5. Impact of digital technologies on reliability of risk forecasting models - case study of enterprises in three global financial market regions 6. Digital financial services, gendered digital divide, and financial inclusion: Evidence from South Asia 7. Intraday price reaction to filing bankruptcy and restructuring proceedings - the evidence from Poland 8. Money market digitization consequences on financial inclusion of businesses at the base of the pyramid in Nigeria