Vinay Pranjivan is an Economist graduated by ISEG-Lisbon (1998) and holds an M.Sc. in Business and Competition Economics by ISCTE ? Business School (2017). Vinay is a consultant, expert in financial services, consumer protection, financial literacy, financial inclusion, and innovation, with almost 20 years of experience in these fields. Currently, he's an advisor for DECO ? the Portuguese Consumer Protection Association, on issues related to users of financial services. Having worked in different companies, his focus on financial consumer protection includes working for the European Banking Authority between 2013 and 2016 and being a Member of 2 EU Commission expert groups, and 2 Stakeholders Groups of the European Supervisory Authorities (EBA BSG and EIOPA IRSG). His training experience includes the Supervisory Digital Finance Academy, of the Florence EUI, financial education programs by DECO and NOVA SBE, and for the Instituto de Formação Bancária.