Simon Grima, University of Malta, MaltaFrank Bezzina, University of Malta, MaltaInna Romanova, University of Latvia, LatviaRamona Rupeika-Apoga, University of Latvia, Latvia

• IntroductionImpact Of Financial Literacy On Domestic Economic Activity In The Baltic States - Margarita Dunska and Kaspars KravinskisBanking And Fintech: A Challenge Or Opportunity? - Inna Romlnova and Marina KudinskaAnalysis Of Crowdfunding In European Union: Performance And Perspectives - Alina DibrovaMisuse Of Derivatives: Considerations For Internal Control - Simon Grima, Frank Bezzina and Inna RomlnovaProfiles Of Smes As Borrowers: Case Of Latvia - Ramona Rupeika-Apoga and Irina SolovjovaAvoiding Bankruptcy In Italy: Preventive Arrangement With Creditors - Alessandro Danovi, Patrizia Riva and Marina AzzolaMergers And Acquisitions: Examples Of Best Practice In Europe And Latvia - Svetlana Saksonova and Irena KantlneCritical Factors Of Pre-Acquisition Due Diligence In Cross-Border Acquisitions - Alen SacekThe Fdi Inflow To Special Economic Zones In Poland - Tomasz Doro_zýnski, Janusz ´Swierkocki and Wojciech UrbaniakAn Analysis Of Audit Report Lags In Maltese Companies - Peter J. Baldacchino, Loraine Grech, Konrad Farrugia and Norbert Tabone

Editors Grima, Bezzina, Romanova, and Rupeika-Apoga present readers with a collection of academic essays and scholarly articles focused on a wide variety of contemporary financial practices throughout Europe. The editors have organized the selections that make up the main body of the text in parts devoted to the impact of financial literacy on domestic economic activity in the Baltics, banking and Fintech, crowdfunding in the EU, and other related subjects. Simon Grima and Frank Bezzina are both faculty members of the University of Malta. Inna Romanova and Romana Rupeika-Apoga are both faculty members of the University of Latvia.