Vinay is an Economist and an Expert on Consumer Protection in Financial Services. He is an analyst of Policy and consumer trends and an advocate for consumer issues.
Retail banking issues: payments, accounts, credit and over-indebtebdness. Financial literacy, access to cash, digitalisation and responsible lending. EU files: Payment Accounts Directive, Consumer Credit Directive, Mortgage Credit Directive, Payment Services Directive revised (PSD2)
Graduated in Economics by ISEG-Lisbon (1998)