Richard Alström – Sweden and Finland Expert in Psychology and Mental Health Key expertises Psychology Personal over-indebtedness Mental health & over-indebtedness Societal costs of over-indebtedness In short Richard is Associate

Duygu Damar – Germany Research fellow at institut für finanzdienstleistungen e.V. Key expertises Contract law Antidiscrimination law Private international law Commercial law Comparative law In short Dr. Duygu Damar works

Nikos Daskalakis – Greece Assistant Professor in Finance and Accounting Key expertises Finance and accounting Small and micro enterprises, micro-entrepreneurs Access to credit Financial education of micro-entrepreneurs Crypto-currency In short

Hélène Ducourant – France Lecturer and researcher at l’Université Gustave Eiffel – LATTS-CNRS In short PhD. In Sociology – Université de Lille Access to LinkedIn

Déborah Faure – France and Belgium Financial Services Officer, BEUC, the European Consumer Organisation Key expertises Advocating for consumer rights in retail banking markets Topics include: consumer and mortgage credit,

Anne Fily – France and Belgium Expert in financial services users issues Key expertises Both at Belgian and EU level Financial inclusion (payment account, access to cash, loans, overindebtedness…) Payments