Federico Ferretti – Italy

Federico Ferretti – Italy Professor of Economic Law and Financial Key expertises Economic law and financial market Protection of users, social inclusion and digital market In short ” Professor of

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Howard Gannaway – United Kingdom

Howard Gannaway – United Kingdom Expert in financial exclusion Key expertises Expertise in financial exclusion Expertise in training and educational matter Active in adult education programmes and in financial education

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Hans Grohs – Austria

Hans Grohs – Austria Key expertises Expertise in debt advice and debt advice services coordination Financial education initiatives Consumer protection in the field of financial services. In short Extensive experience

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Olivier Jérusalmy – Belgium and France

Olivier Jérusalmy – Belgium and France Researcher – Expert in Financial Inclusion Key expertises Barriers which prevent access and use of financial services Over-indebtedness: causes, triggers, impact, diagnostic and treatment

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