Research topic
Fintech and digital finance
We study how fintech firms develop, how they interact with banks and how digital assets and artificial intelligence change financial risk and regulation. Much of this work comes from the COST Action CA19130 Fintech and Artificial Intelligence in Finance (FinAI).
Main questions
What drives and what holds back the fintech sector in Poland? Did the pandemic change the relationship between fintechs and banks? Which risks do digital assets carry, and how should regulation respond? How can statistical and fuzzy-logic methods extract patterns from peer-to-peer lending data?
Publications (8)
Digital assets: risks, regulations, mitigation
Teng, H.-W., Härdle, W.K., Osterrieder, J., Pele, D.T., Baals, L.J., Papavassiliou, V., Bolesta, K., Kabašinskas, A., Filipovska, O., Thomaidis, N.S., Moukas, A.-I., Goundar, S., Nasir, J.A., Weinberg, A.I., Arakelian, V., Truică, C.-O., Akar, M., Kabaklarlı, E., Apostol, E.-S., Iannario, M., Będowska-Sójka, B., Skaftadóttir, H.K., Yildirim, O., Shala, A., Pisoni, G., Coita, I.F., Korba, S., Hafner, C.M., Schwendner, P., Molnár, B., Xhumari, E. (2026). Financial Innovation, 12, 65.
PDF · Published version (open access)DOISSRN preprintCOST Action CA19130 FinAI
The synergy of statistical and fuzzy logic approaches in mining patterns from the peer-to-peer lending data
Hudec, M., Molnár, B., Pisoni, G., Vučetić, M., Barčáková, N., Będowska-Sójka, B., Öztürkkal, B., Perri Shkurti, R., Skaftadóttir, H.K., Iannario, M. (2026). Expert Systems with Applications, 297, 129308.
AI-driven failed trials in investment strategies: A network data analysis approach
Bolesta, K., Akar, M., Coita, I., Tarantola, C., Iannario, M., Osterrieder, J., Sipos, C. i in. (2024). Working Paper.
Ethical artificial intelligence, fintech and data protection: A path forward for training in Europe
Moloney, M., Coita, I., Paschalidou, E.G., Svetlova, E., Mare, C., Stanca, L., Pisoni, G. i in. (w tym Będowska-Sójka, B.) (2024). SSRN Working Paper.
FinTech, regulation, and cybercrime: Opportunities arising from new technologies
Achim, M.V., Pisoni, G., Mare, C., Moloney, M., Korba, S., Molnár, B., Będowska-Sójka, B., Coita, I. (2023). SSRN Working Paper.
Has the pandemic changed the relationships between fintechs and banks?
Będowska-Sójka, B., Kliber, A., Laidroo, L. (2023). Operations Research and Decisions, 33(4).
Triggers and obstacles to the development of the FinTech sector in Poland
Kliber, A., Będowska-Sójka, B., Rutkowska, A., Świerczyńska, K. (2021). Risks, 9(2), 30.
DOINCN MINIATURA 3Regionalna Inicjatywa Doskonałości (MNiSW)
FinTechs in Poland: Insights, trends and perspectives
Kliber, A., Będowska-Sójka, B., Rutkowska, A., Świerczyńska, K. i in. (2020). QuantFin.pl (raport).
Conference talks (1)
Has the Pandemic Changed the Relationship Between Banks and Fintechs?
COST Action CA19130 Working Group 3 Meeting, University of Utrecht, Netherlands, October 2022