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The purpose of this paper is to explore how Palestinian refugee families in Malaysia cope with the challenges they face during their transitional destination. These families have recently fled from conflict zones in various Arab countries and moved to Malaysia where they registered in the office of the United Nations High Commissioner for Refugees (UNHCR) in Kuala Lumpur, waiting for resettlement in a third country.

The paper utilizes the qualitative research approach, drawing descriptive analysis (thematic analysis technique) of data collected by semi-structured, in-depth interviews with 30 Palestinian families. For sample selection, the author used purposive sampling and employed the Snowball technique to select the families who have experienced refuge life for the second time. Then the sample was equally divided into three groups to include ten families moving from Iraq, Syria and the Gaza Strip. The interviews were conducted with the head of the families who varied in terms of gender and age composition. The study involved 9 female participants and 21 males. They are all Muslims and aged between 24 and 80 years old. In terms of educational background, all of the participants are literate with formal school education, diploma or tertiary education.

The study shows that refugee families adopt four main ways of coping commonly used to improve the quality of their life during their transition in Malaysia. They turn to religion and spirituality, keep in touch with relatives and friends in the diaspora and conflict zones, develop a positive image about their present situation by comparing it to worse living conditions of others living in conflict zones and plan to migrate to Europe to hold a European passport which will give them the opportunity to visit their original country, Palestine.

The paper tackles the Palestinian refugee family life and explores their real-life stories and experiences during transition in Malaysia. It provides them with an opportunity to speak up their suffering and reveal the various strategies they adopt to cope with life challenges. Besides, the result of the study will be a fruitful addition to the corpus of sociological knowledge as well as an important contribution to the families that stay in transition in different societies around the world.

This paper investigates the impact of moving Central Counterparty Clearing Houses (CCPs) that clear euro-denominated transactions to the Eurozone after the withdrawal of the UK from the European Union. Prior to Brexit, the City of London had a dominant position in euro-clearing, but in the aftermath of Brexit, clearing houses might decide to move to the EU27. This paper aims to investigate the impact of moving euro-clearing to the EU27.

This paper provides an economic, political and legal investigation based on desk research. It studies the relevant materials, as they relate to the functioning of Central Counterparty Clearing in the aftermath of Brexit, with specific attention to the potential shift of locations and oversight.

The development of a EU27 financial hub and the possibility to increase oversight over euro-denominated financial transactions, which were partly at the roots of the financial and Eurozone crisis, could strengthen the market shaping of European financial markets. However, localizing euro-denominated transactions in Europe could potentially give rise to efficiency losses and a higher risk for companies and investors. Furthermore, the European regulatory framework currently faces certain weaknesses, obstructing the regulatory potential of the EU.

As the Brexit negotiations are not yet finished, this paper does not intend to set out a definite outcome of the processes currently taking place.

Shifting locations and oversight of CCPs as a result of Brexit could lead to the establishment of a large financial centre within the EU-27. At the same time, it is to be expected that such a development will have a significant impact on the financial infrastructure of the City of London.

There exists an important trade-off with regard to shifting locations that need to be at the forefront of the discussions and the negotiations when dealing with Brexit. This seems to be neglected in a lot of the current policy debates. This paper takes stock of the ongoing debate and how it relates to the functioning of CCPs.

This chapter critically assesses the assumption that the European Union (EU) is undergoing a crisis of legitimation. Using survey data, it shows that support of the EU and European integration is solid and that it plays a small role in the rise of populist parties. Then, it shows that Europeans favor increasing European cooperation but are reluctant to transfer national sovereignty to the EU. Finally, it traces this reluctance to the primacy of national over European identification.

This places the industry within the dynamic environment provided by the push towards the free movement of goods and overall market liberalisation within the European Community as codified in the “1992” measures. The challenge of adopting a truly global approach to international marketing is discussed, and several potential approaches offered: in particular low‐cost and service‐enhancement strategies are debated.

This paper aims to examine the rationale for the establishment of a depositary passport as the next logical step in building an internal market for investment funds in the European Union (EU). It makes the point that the de facto prohibition of depositary passporting poses risks to financial stability and has an adverse impact on investor protection in EU member states, which do not have a fully developed funds industry.

This paper analyses both the arguments in favour and against the adoption of a depositary passport. Moreover, it examines this proposal in the context of different approaches to fostering the internal market such as mutual recognition, harmonisation of regulation, reflexive governance of financial supervision and centralised supervision.

Based on the review of the current EU legal framework, this paper, subsequently, puts forward possible solutions for the establishment of an internal market for depositary business, which solutions have been discussed with various experts in the field to assess their feasibility in practice.

The paper contributes to the debate on the EU internal market in the field of asset management, which is topical in view of the upcoming review of the EU’s Alternative Investment Fund Managers Directive.

The chapter describes the refugee crisis, its various challenges, and followed by arguments on recognizing refugee qualifications. Key contexts related to refugees including human rights (especially to education and work), access and equity in education and the labor force, and refugee integration into host countries. The Norwegian Quality Assurance Agency’s initiatives on the recognition of refugee qualifications and the establishment of a European Passport for Refugees are presented to highlight the importance of increasing refugee access to further education and entry to the labor force through facilitating recognition of their qualifications.

To explain the new Crowdfunding Regulation to market participants and to describe the impact of the Crowdfunding Regulation on current crowdfunding business models in the European Union.

This article provides an overview of the new Crowdfunding Regulation with a focus on the provisions concerning cross-border services (“European Passport”) and the new authorization requirements for crowdfunding service providers.

In particular the introduction of the European passport will open new funding sources for project owners. This together with the harmonized authorization requirements of crowdfunding service providers is expected to contribute to further growth of the crowdfunding market in the European Union. The Crowdfunding Regulation is a further step on the way to a Capital Markets Union in Europe and regulates crowdfunding for the first time on a European level.

The Crowdfunding Regulation does not cover all existing crowdfunding business models in Europe (e.g., consumer as project owners and qualified subordinated loans are exempted). Insofar, the rules of the Member States continue to apply with the consequence of a partial fragmentation of applicable regulations.

Expert guidance from experienced financial-services lawyer.

After first being issued in draft in July 1998 and then taking a year to go through Parliament, the Financial Services and Markets Act 2000 (FISMA) finally became law on 14th June, 2000. The Treasury, the government department responsible for the UK financial services industry, has, however, just announced that the FISMA will not come fully into force until summer 2001, although some sections may perhaps come into force earlier.

The purpose of this paper is to show that most, if not all RFID/biometric passports have clear technical and social problems in their intended use and that there are clear problems with the databases into which biometric data are being collected, due to use of this data for other (publicly), non‐intended uses.

The approach of this paper is both a meta‐study of the flaws in the technological specifications as well as the social implementation of RFID/biometric passports. Finland is used as a case, but the results extend beyond Finland in most, if not all the topics presented – not necessarily all results to all implementations, but all to some others.

The current implementations of RFID/biometric passports are lacking in both technical and social implementations and pose clear risks to their use, both due to lax implementation of the technology itself but specifically due to the social changes brought about. These problems cause both erosion of privacy and trust.

Further research into other potential social implications on a national level is required. The authors fear that the cases presented do not necessarily reflect all the potential problems, but just the most evident ones.

The problems with the technological implications can be averted by using the best technological solutions, and thus the best technological solutions should be used instead of the ones proven to be lacking.

The social implications should at least be brought forth for public discourse and acknowledged, which currently does not seem to happen.

The paper contributes to the understanding of problems with current RFID/biometric passport implementations as well as inherent social problems that are hard, if not impossible to avoid. The problems belong under the category of critical eGovernment applications, and similar issues are visible in other eGovernment applications.