Financial Inclusion Law and Over-Indebtedness

Abstract

The book addresses the current challenges faced by financial consumers in the context of enormous technological developments. This edited collection covers safeguarding financial consumers, encompassing topics such as financial inclusion, data protection, and consumer over-indebtedness. Addressing specific issues related to vulnerable consumer groups and the increasing digitisation of financial services, it grapples with the emerging challenge demanding that consumers possess technological literacy. The book offers a distinct new perspective, going beyond the traditional understanding of financial inclusion, which typically only considers the possession of a bank account. Instead, it explores new dimensions, including the obstacles consumers face in obtaining credit, establishing a credit history, and coping with issues such as being blacklisted. The book explores diverse strategies for enhancing financial inclusion, such as leveraging data, and open banking. It also scrutinises the pursuit of credit fairness and examines methods to either mitigate or effectively address over-indebtedness, a persistent and formidable challenge for financial consumers. The book will be of interest to researchers, practitioners, and governmental organisations in the field of finance law and the law of emerging technologies. Chapter 2 of this book is freely available as a downloadable Open Access PDF at https://www.taylorfrancis.com under a Creative Commons Attribution-Non Commercial-No Derivatives (CC-BY-NC-ND) 4.0 International license. © 2026 selection and editorial matter, Duygu Damar-Blanken and Michelle Kelly-Louw; individual chapters, the contributors.