1) Examine FinTech and big tech’s global impact on financial sector development: - Study how alternative credit channels influence capital formation, securities markets, and financial inclusion across different countries and industries. - Identify differences in impact between advanced and emerging economies. 2) Develop the FinTech Uncertainty Index (FUnI): - Create a new tool to measure policy and market uncertainties caused by FinTech innovations. - Provide investors, businesses, and regulators with actionable information to navigate financial market volatility. 3) Analyze portfolio hedging strategies involving FinTech assets: - Investigate how FinTech-related assets interact with traditional markets to improve diversification and risk management. - Offer practical recommendations for investors operating under varying market conditions. 4) Deliver practical and policy-relevant insights: - Help global and Finnish SMEs improve financing options and reduce financial distress through alternative credit channels. - Support policymakers with tools and knowledge to balance financial innovation with market stability and investor protection.

2025

2027