Andra Sonea

Postdoctoral Research Fellow in FinTech

  • andra.sonea@sbs.ox.ac.uk

Saïd Business School
University of Oxford
Park End Street


Andra Sonea is a Research Fellow with Oxford Future of Finance and Technology Initiative. She is in the process of completing her PhD in Urban Science at University of Warwick.

Andra’s research interests include financial services infrastructure, 'everyday banking' architecture, open banking and 'access to banking'. Her research to date uses spatial analysis methods for measuring access to banking in the UK. Her current research explores the implementation of open banking and its relationship with financial wellness around the globe.

Andra has an extensive international career in consulting and banking. She worked as a consultant and advisor for SAP, KPMG, EY, Deutsche Bank, and Lead Solutions Architect for the Innovation Labs of IBM UK and Lloyds Banking Group. Recently she was Head of Solution Architecture for FintechOS, during the hyper-growth phase of the start-up which led to raising a Series B of $60 million.

Andra holds a BSc in Economics (Academy of Economic Studies Bucharest), a BA in Political Sciences (University of Bucharest) and an MBA (London Business School).


  • Financial Systems Architecture
  • Spatial Analysis
  • Network Science
  • Innovation Management


Geographic and temporal access to basic banking services offered through post offices in Wales
Journal article  |  Applied Spatial Analysis and Policy  April 2021
Sonea, A., & Westerholt, R.

Exploratory spatial analysis of access to physical and digital retail banking
Journal article Channels Technical report Think Forward Initiative |  2019
Sonea, A., Guo, W., & Jarvis, S.

A tale of two cities: Multiplexed banking access in Birmingham and London
Journal article  IEEE International Smart Cities Conference |  2019
Sonea, A., Guo, W., & Jarvis, S.

So, you think the Innovation Lab is the answer?
Book chapter In S. Chishti & J. Barberis (Eds.), The FinTech Book, John Wiley & Sons, Ltd  2016
Sonea, A

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