Responsible FinTech: Risks and Governance Implications of Financial Technology

   Faculty of Management, Law and Social Sciences

   Applications accepted all year round  Self-Funded PhD Students Only

About the Project

As new and rapidly developing technologies hold incredible promise for the advancement of human welfare, they also hold the potential to generate more inequality and more insecurity (UN, 2018). As Financial Technology (FinTech) is fast growing together with risks and governance challenges (UNSG, 2020), we aim to find plausible solutions through research initiatives to guide financial community, policymakers, and regulators towards building a responsible FinTech ecosystem for the betterment and sustainability of humanity.

“Fintech covers everything from mobile payment platforms to high-frequency trading (HFT), and from crowdfunding and virtual currencies to blockchain. In combination, such forceful innovations will threaten the viability of today’s financial sector business models, and indeed the effectiveness of current policies, regulations and norms that have shaped modern finance” (United Nations Environment Programme, 2016, p. 1).

This project will contribute empirical evidence and enhance our understanding of the risks and governance implications relating to a chosen aspect of FinTech as prescribed above. Alternatively, proposals can be built on previous works of supervisor (Minhat et al. 2022; Minhat and Dzolkarnaini, 2019) and aimed for policy implications. Accordingly, we are not confined to the study of FinTech in any specific geographic region, and proposals which explore issues in under-researched contexts (or countries) are particularly welcome.

Flexibility is allowed whereby one may engage in quantitative and/or qualitative research works to address their research aims, objectives, questions, and hypotheses. Therefore, one could incorporate a variety of research methods including econometrics and interviews and thus knowledge of both quantitative and qualitative research protocols would be advantageous. Applicants are invited from those with background in Accounting, Finance, Law, Technology, and other relevant disciplines as we welcome interdisciplinary projects. If successful, they will be members of Responsible Fintech Research Group at the University of Bradford with opportunities to engage with practitioners in FinTech world.

Economics (10) Finance (14)

Funding Notes

This is a self-funded PhD project; applicants will be expected to pay their own fees or have a suitable source of third-party funding. UK applicants may be able to access the Doctoral Loan from Student Finance.


ICAEW Scotland (2022) Blockchain, Cryptocurrency and Security - In Whom Do We Trust? ICAEW News, 24 March. Available at:
Minhat, M., Abdullah, M., Dzolkarnaini, N. and Sapiei, N. S. (2022) Cryptocurrency and uncertainty. Accountants Today, 26 January. Available at: Minhat, M. and Dzolkarnaini, N. (2019) Digital assets, cryptoassets and cryptocurrencies. The Malaysian Reserve, 25 February. United Nations (UN) (2018) Secretary-General’s Strategy on New Technologies. United Nations Environment Programme (UNEP) (2016) Fintech and Sustainable Development: Assessing the Implications, The UNEP Inquiry. United Nations Secretary-General’s (UNSG) (2020) Task Force on Digital Financing of the Sustainable Development Goals, Aug

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