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This book addresses the questions of discrimination, vulnerable consumers, and financial inclusion in the light of the emerging legal, socio-economic, and technological challenges. New technologies – such as artificial intelligence-driven consumer credit risk assessment and Fintech platforms, the changing nature of vulnerability due to the ongoing COVID-19 pandemic, as well as the sophistication of digital technologies, which help circumvent legal barriers and protections – necessitate the continuous study of the existing legal frameworks and measures’ capability to tackle these challenges.
Organized in two major parts, the first addresses, from multiple national angles, the idea of a human rights approach to consumer law, in order to replace the mantra of economic efficiency that characterizes financial services with those of human dignity, freedom from discrimination and from debt-induced servitude. The second tackles the challenges posed by increased usage of technology in connection to financial services, which tends to solve, but also creates additional issues for consumers, in general, and for vulnerable groups, in particular.