{"id":5537,"date":"2024-02-28T10:21:33","date_gmt":"2024-02-28T09:21:33","guid":{"rendered":"https:\/\/www.uni.lu\/research-en\/?post_type=research-areas&#038;p=5537"},"modified":"2026-03-04T09:03:51","modified_gmt":"2026-03-04T08:03:51","slug":"financial-innovation","status":"publish","type":"research-areas","link":"https:\/\/www.uni.lu\/research-en\/research-areas\/financial-innovation\/","title":{"rendered":"Financial Innovation"},"content":{"rendered":"\n<div class=\"wp-block-unilux-blocks-wrapper max-w-screen-3xl mx-auto section\">\n<section class=\"section no-padding-y wp-block-unilux-blocks-hero\">\n    <div class=\"hero hero--2 hero--overlay-top hero--overlay-bottom\">\n        \n<header class=\"wp-block-unilux-blocks-wrapper hero__header\">\n<div class=\"wp-block-unilux-blocks-wrapper hero__container\">\n<span class=\"hero__title__subject wp-block-unilux-blocks-plain-text\"><\/span>\n\n\n<h1 class=\"has-text-align-left wp-block-unilux-blocks-heading\"        id=\"financial-innovation\"\n    >\nFinancial Innovation<\/h1>\n<\/div>\n<\/header>\n<figure class=\"wp-block-dev4-reusable-blocks-image hero__visual object-fit--cover\">\n    \n<img decoding=\"async\" class=\"wp-block-image unilux-custom-image-block\"\n                alt=\"\"\n            src=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/02\/gestionMbnPtQ.png\"\n                srcset=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/02\/gestionMbnPtQ-300x173.png 300w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/02\/gestionMbnPtQ-768x442.png 768w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/02\/gestionMbnPtQ.png 825w\"\n                style=\"object-position: 50.00% 50.00%; font-family: &quot;object-fit: cover; object-position: 50.00% 50.00%;&quot;; aspect-ratio: 16\/9; object-fit: cover; width: 100%;\"\n        loading=\"lazy\"\n\/>    <\/figure>\n<div class=\"wp-block-unilux-blocks-wrapper hero__body\">\n<div class=\"wp-block-unilux-blocks-wrapper hero__container\">\n<p class=\"wp-block-unilux-blocks-plain-text\">Digital Finance and Fintech is concerned with the implications of the significant and abrupt changes brought about by the digital revolution.<\/p>\n\n\n<ul class=\"wp-block-unilux-blocks-custom-buttons btn-list\">\n\n<\/ul>\n<\/div>\n<\/div>\n    <\/div>\n<\/section><\/div>\n\n\n\n<section class=\"wp-block-unilux-blocks-free-section section\"><div class=\"container xl:max-w-screen-xl\">\n<h2 class=\"has-text-align-left wp-block-unilux-blocks-heading\"        id=\"about\"\n    >\n糖心Vlog<\/h2>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>The financial industry sees major changes<\/strong> based on at least two major developments: FinTech and Big Data.<\/p>\n\n\n\n<p>Digitisation has led to an unprecedented collection of data, commonly labelled Big Data. The technological innovations in financial services are forcing commercial banks and other financial intermediaries to adapt.<\/p>\n\n\n\n<p>The Department of Finance works together with the 糖心Vlog\u2019s Department of Law for an interdisciplinary approach to the topic of FinTech. The Department of Law\u2019s FinTech and Digitalisation group focuses on legal and regulatory issues. while the The Department of Finance discusses FinTech from a finance perspective.<\/p>\n\n\n\n<p><strong>Our research has a clear interdisciplinary nature<\/strong> by sharing ingredients from Finance, Information Technology, Management, and Law.<\/p>\n\n\n\n<p>Business and data analytics, combined with behavioural decision-making analysis can help fund and wealth managers assess investors\u2019 preferences, and enhance the alignment of investment advices. The 糖心Vlog\u2019s expertise in IT security makes a strong collaboration with researchers from the Luxembourg Interdisciplinary Centre for Security, Reliability and Trust (SnT) most natural.<\/p>\n\n\n\n<p>Since new technological developments always come together with an adaption of regulations, cooperation with the Law department will be crucial. Our research focuses on fintech applications such as blockchain, robo-advisory, crypto-currencies, and mass access investment platforms, which have the potential to revolutionise the finance industry.<\/p>\n\n\n\n<p>Research taking big data into account follow naturally in finance. Finance has always been a very data intensive field and thus expertise in how to handle and analyse data is wide spread within the finance profession. The research topics which now become relevant is now:<\/p>\n\n\n\n<ol class=\"ulux-list\">\n<li class=\"ulux-list-item\">how the dual increase of computing power as well as amounts of data leads to new research methods;<\/li>\n\n\n\n<li class=\"ulux-list-item\">how the increased availability of data impacts the functioning and efficiency of financial markets and the financial industry.<\/li>\n<\/ol>\n\n\n\n<p><br>The methods we use for our research programmes can be separated along the dimensions of empirical analysis and theoretical research. We follow both dimensions, but empirical research is clearly increasing in importance. This is due to improved data availability and computing power, but also to the important focus of the digitisation strategy of the University.<\/p>\n<\/div>\n<\/div><\/section>\n\n\n\n<section class=\"py-0 wp-block-unilux-blocks-free-section section\"><div class=\"container xl:max-w-screen-xl\">\n<h3 class=\"has-text-align-left wp-block-unilux-blocks-heading\"        id=\"research-takes-place-at\"\n    >\nResearch takes place at:<\/h3>\n\n\n\n<ul class=\"wp-block-unilux-blocks-button-list-v2\">\n<li class=\"wp-block-unilux-blocks-button-list-item-v2\"><a class=\"quick-link\" href=\"https:\/\/www.uni.lu\/fdef-en\/\" target=\"\" role=\"link\" rel=\"noopener\" tabindex=\"0\"><span class=\"quick-link__container\">\n<div class=\"wp-block-unilux-blocks-block-inserter quick-link__img\"><figure class=\"wp-block-dev4-reusable-blocks-image  object-fit--cover\">\n    \n<img decoding=\"async\" class=\"wp-block-image unilux-custom-image-block\"\n                alt=\"\"\n            src=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2026\/03\/01200344\/university-of-luxembourg-fdef-symbol-only.svg\"\n                    style=\"object-position: 50.00% 50.00%; font-family: &quot;object-fit: cover; object-position: 50.00% 50.00%;&quot;; aspect-ratio: 1\/1; object-fit: cover; width: 100%;\"\n        loading=\"lazy\"\n\/>    <\/figure><\/div>\n\n\n\n<span class=\"quick-link__name wp-block-unilux-blocks-plain-text\">Faculty of Law, Economics and Finance (FDEF)<\/span>\n\n<svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg><\/span><\/a><\/li>\n\n\n\n<li class=\"wp-block-unilux-blocks-button-list-item-v2\"><a class=\"quick-link\" href=\"https:\/\/www.uni.lu\/fdef-en\/research-departments\/department-of-finance\/\" target=\"\" role=\"link\" rel=\"noopener\" tabindex=\"0\"><span class=\"quick-link__container\">\n<div class=\"wp-block-unilux-blocks-block-inserter quick-link__img\"><figure class=\"wp-block-dev4-reusable-blocks-image  object-fit--cover\">\n        <\/figure><\/div>\n\n\n\n<span class=\"quick-link__name wp-block-unilux-blocks-plain-text\">Department of Finance<\/span>\n\n<svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg><\/span><\/a><\/li>\n<\/ul>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-unilux-blocks-free-section section\"><div class=\"container xl:max-w-screen-xl\">\n<h2 class=\"has-text-align-left wp-block-unilux-blocks-heading\"        id=\"research-groups\"\n    >\nResearch groups<\/h2>\n\n\n<ul class=\"flex flex-wrap mt-24 -mx-16  wp-block-unilux-blocks-free-content-card\">\n    <li class=\"w-full sm:w-1\/2 lg:w-1\/3 px-16  wp-block-unilux-blocks-free-content-card-item\">\n    <div class=\"ulux-card card-residence bg-theme\">\n        <div class=\"ulux-card__container card__container\">\n                        <div class=\"ulux-card__visual wp-block-unilux-blocks-free-content-card-item-visual\">\n    \n<div class=\"wp-block-unilux-blocks-image-video-wrapper\">\n    <figure class=\"wp-block-dev4-reusable-blocks-image  object-fit--cover\">\n    \n<img decoding=\"async\" class=\"wp-block-image unilux-custom-image-block\"\n                alt=\"Image of trees as seen when looking up from the ground\"\n            src=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/02\/Landscape-2.jpg\"\n                srcset=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/02\/Landscape-2-300x200.jpg 300w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/02\/Landscape-2-1024x684.jpg 1024w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/02\/Landscape-2-768x513.jpg 768w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/02\/Landscape-2.jpg 1084w\"\n                style=\"object-position: 50.00% 50.00%; font-family: &quot;object-fit: cover; object-position: 50.00% 50.00%;&quot;; aspect-ratio: 4\/3; object-fit: cover; width: 100%;\"\n        loading=\"lazy\"\n\/>    <\/figure><\/div><\/div><div class=\"ulux-card__body wp-block-unilux-blocks-free-content-card-item-body\">\n    \n<div class=\"ulux-card__category wp-block-unilux-blocks-plain-text\"><\/div>\n<h3 class=\"ulux-card__title has-text-align-left wp-block-unilux-blocks-heading\"        id=\"house-for-sustainable-governance-and-markets\"\n    >\nHouse for Sustainable Governance and Markets<\/h3>\n<div class=\"ulux-card__link-wrapper card__link wp-block-unilux-blocks-simple-cta\">\n    <a\n        href=\"https:\/\/www.uni.lu\/fdef-en\/research-groups\/house-for-sustainable-governance-and-markets\/\"\n        class=\"link-text link-text--icon ulux-card__link link-text link-absolute\"\n        target=\"\"\n    >\n        <span class=\"link-text__body\">\n            <span class=\"link-text__name\">Learn more<\/span>\n        <\/span>\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>    <\/a>\n<\/div>\n<\/div>        <\/div>\n    <\/div>\n<\/li><\/ul><\/div><\/section>\n\n\n\n<section class=\"py-0 wp-block-unilux-blocks-free-section section\"><div class=\"container xl:max-w-screen-xl\">\n<h3 class=\"has-text-align-left wp-block-unilux-blocks-heading\"        id=\"related-research-areas\"\n    >\nRelated research areas<\/h3>\n\n\n\n<ul class=\"wp-block-unilux-blocks-quick-link-highlight quick-link-list\">\n<li class=\"wp-block-unilux-blocks-quick-link-highlight-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/research-en\/research-areas\/finance\/\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__body\">\n                    <span class=\"quick-link__number\">\n                        Finance                    <\/span>\n                    <span class=\"quick-link__title\">\n                                            <\/span>\n                    <span class=\"quick-link__action\">\n                                            <\/span>\n                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n\n\n\n<li class=\"wp-block-unilux-blocks-quick-link-highlight-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/research-en\/research-areas\/sustainable-finance\/\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__body\">\n                    <span class=\"quick-link__number\">\n                        Sustainable Finance                    <\/span>\n                    <span class=\"quick-link__title\">\n                                            <\/span>\n                    <span class=\"quick-link__action\">\n                                            <\/span>\n                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n\n\n\n<li class=\"wp-block-unilux-blocks-quick-link-highlight-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/research-en\/research-areas\/institutions\/\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__body\">\n                    <span class=\"quick-link__number\">\n                        Institutions                    <\/span>\n                    <span class=\"quick-link__title\">\n                                            <\/span>\n                    <span class=\"quick-link__action\">\n                                            <\/span>\n                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n\n\n\n<li class=\"wp-block-unilux-blocks-quick-link-highlight-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/research-en\/research-areas\/asset-management\/\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__body\">\n                    <span class=\"quick-link__number\">\n                        Asset Management                    <\/span>\n                    <span class=\"quick-link__title\">\n                                            <\/span>\n                    <span class=\"quick-link__action\">\n                                            <\/span>\n                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n\n\n\n<li class=\"wp-block-unilux-blocks-quick-link-highlight-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/research-en\/research-areas\/banking-and-financial-law\/\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__body\">\n                    <span class=\"quick-link__number\">\n                        Banking and Financial Law                    <\/span>\n                    <span class=\"quick-link__title\">\n                                            <\/span>\n                    <span class=\"quick-link__action\">\n                                            <\/span>\n                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n\n\n\n<li class=\"wp-block-unilux-blocks-quick-link-highlight-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/research-en\/research-areas\/economics\/\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__body\">\n                    <span class=\"quick-link__number\">\n                        Economics                    <\/span>\n                    <span class=\"quick-link__title\">\n                                            <\/span>\n                    <span class=\"quick-link__action\">\n                                            <\/span>\n                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n\n\n\n<li class=\"wp-block-unilux-blocks-quick-link-highlight-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/research-en\/research-areas\/economic-financial-history\/\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__body\">\n                    <span class=\"quick-link__number\">\n                        Economic Financial History                    <\/span>\n                    <span class=\"quick-link__title\">\n                                            <\/span>\n                    <span class=\"quick-link__action\">\n                                            <\/span>\n                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n<\/ul>\n<\/div><\/section>\n\n\n<section class=\"section section wp-block-unilux-blocks-quick-link-discover-section\">\n    <div class=\"container xl:max-w-screen-xl\">\n        \n<h2 class=\"has-text-align-left wp-block-unilux-blocks-heading\"        id=\"discover-more\"\n    >\nDiscover more<\/h2>\n\n<ul class=\"wp-block-unilux-blocks-quick-link-discover quick-link-list\">\n<li class=\"wp-block-unilux-blocks-quick-link-discover-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/en\/about\/profile\/mission-strategy-values\/#strategic-development-areas\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__text\">\n                    Key areas                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n\n\n\n<li class=\"wp-block-unilux-blocks-quick-link-discover-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/en\/about\/organisation\/faculties-departments\/\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__text\">\n                    Faculties                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n\n\n\n<li class=\"wp-block-unilux-blocks-quick-link-discover-item\">\n    <a\n                    href=\"https:\/\/www.uni.lu\/en\/about\/organisation\/centres\/\"\n                    class=\"quick-link\"\n            target=\"\"\n    >\n            <span class=\"quick-link__container\">\n                <span class=\"quick-link__text\">\n                    Interdisciplinary centres                <\/span>\n                <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>            <\/span>\n    <\/a>\n<\/li>\n<\/ul>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":44,"featured_media":5012,"parent":0,"menu_order":0,"template":"","meta":{"featured_image_focal_point":[],"show_featured_caption":false,"ulux_newsletter_groups":"","uluxPostTitle":"Financial Innovation","uluxPrePostTitle":"Research area","_trash_the_other_posts":false,"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false},"field-of-interest":[48],"organisation":[150,135],"authorship":[44],"acf":[],"yoast_head":"<!-- This site is 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Digitisation has led to an unprecedented\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.uni.lu\/research-en\/research-areas\/financial-innovation\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Innovation\" \/>\n<meta property=\"og:description\" content=\"The financial industry sees major changes based on at least two major developments: FinTech and Big Data. 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