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Sabrina Rochemont is a member of the Cashless Society Working Party. Her current research interests lie with the changes and transformations caused by the digital economy with a focus on the disruptive dynamics with new payment technologies. In this talk, Catalin and Sabrina adress the implications of the increasing trend towards digitalization and cashless payment for financial inclusion of vulnerable consumer groups. Is there a risk of becoming 'too digital'? Are there downsides to digitalization? What are the differences between developed and developing countries? Is financial education the key, or do we need to do more to facilitate inclusion? Answers in the podcast.