Lead researcher

Lead researcher

Dr. Aref Mahdavi Ardekani
Dr. Aref Mahdavi Ardekani

FinLAB advances knowledge at the intersection of FinTech, digital finance, and sustainability. FinLAB brings together experts in finance, technology, and policy to explore how innovation can drive inclusive and environmentally responsible economic growth. Members of finLAB actively engage with global research communities, leading academic institutions, industry partners, contributing to policy discussions and cross-sector collaborations. FinLAB addresses the urgent challenge of ensuring that the rapid growth of FinTech and digital finance delivers sustainable and inclusive outcomes. While innovations such as blockchain, AI-driven financial services, and digital payment platforms offer unprecedented opportunities, they also risk reinforcing inequalities and neglecting environmental impacts if left unchecked.

FinLAB research projects investigate how these technologies can be designed, deployed, and regulated to accelerate the low-carbon transition, expand financial inclusion, and build resilience, advancing key UN Sustainable Development Goals, including SDG 8 (Decent Work & Economic Growth), SDG 9 (Industry, Innovation & Infrastructure), SDG 10, and SDG 13. By developing evidence-based frameworks and tools for businesses, policymakers, and communities, finLAB works to ensure that FinTech innovation becomes a powerful enabler of positive societal and environmental change

Research Themes

  • FinTech Innovation & Financial Inclusion. We investigate how mobile banking, blockchain, and AI-powered platforms can expand access to affordable financial services for underserved communities and SMEs
  • Sustainable Finance. We examine how digital tools, green bonds, and innovative financing models can mobilise capital for climate action and the transition to a low-carbon economy
  • Digital Transformation in Banking. Our researchers investigate how innovations such as open banking, AI-driven credit assessment, and embedded finance are reshaping banking services, improving customer experience, and enabling more sustainable and inclusive financial ecosystems
  • Regulation, Governance & Responsible Innovation. Our group analyses policy frameworks and governance models that balance technological progress with ethical considerations, consumer protection, and systemic stability

Selected Projects

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