September 2020/Issue 3 ( Volume 7 ) and Finance ( GEP ) Cover Table of Contents Attila Grósz – Zsombor Sárosdi –Gergely Biró – Péter Molnár: Modelling of the cash flow of Baby Loans – a novel approach József Czímer – Róbert Kiszely: Do’s and dont’s of immediate payment implementation – the Hungarian story Zsolt Selmeczi-Kovács – Dániel Kuttor – Gábor Németh – Zsolt Pál: Unique innovation and economic shock Zsuzsanna Tamásné Vőneki: Crisis management and operational risk management in the financial sector in the shadow of COVID-19 Tamás Szücs – Gábor Márkus: The impact of IFRS 9 impairment calculation on European banks’ market rating László Seregdi: A prohibition on incentive to redeem in capital regulation