The Covid-19 crisis showed how digitalization can play a useful role for consumers and businesses. However, digitalization and new emerging technological trends do not come without
risks, scams, and fraud. This rapid digital transformation accelerated by the pandemic requires shaping the 2030 digital targets by putting people and the public interest back at the centre of these
fundamental changes. Therefore, the EU digital decade agenda should be committed to providing policies and regulations based on fundamental rights and principles that ensure human dignity,
freedom, democracy, equality, justice, inclusion and non-discrimination of consumers.
This is particularly relevant for financial service users in the context of contactless payments, and the use of AI in insurance and financial advice.