Dorothea Schäfer, Mechthild Schrooten and Armin Varmaz Editorial: Libra, Bitcoin & Co – Determinants of Non-cash Payments and Alternative Money Steffen Günther, Christian Fieberg and Thorsten Poddig The Cross-Section of Cryptocurrency Risk and Return Mechthild Schrooten and Armin Varmaz Determinants of non-cash payments in the Eurozone: Culture matters Katharina Riebe Determinants of Financial Literacy Among German Students – An Empirical Analysis Nermin Varmaz GDPR vs. Big Data & AI in FinTechs Pauline Affeldt and Ulrich Krüger You Are What You Pay – Personal Profiling with Alternative Payment Data and the Data Protection Law Authors