The Oxford Future of Finance and Technology Initiative (OFFTI) is a research collaboration between Saïd Business School and industry. It explores global changes in business, policy and society in relation to technology disruption in the financial sector, in order to advance research and aid in the development of government policies and industry best practices.  



Free-to-attend webinars showcasing research from the Initative. 

Recently published

Romi Savova

Female founders in fintech case series: PensionBee

This case series features female founders of fintech ventures around the world who are striving to make a difference in financial services - particularly financial wellness - using technology. 

In the second case of the series, we profile PensionBee, a platform that allows users to collate pension plans into one, carefully selected plan. The case features CEO and PensionBee Co-Founder, Romi Savova.

Lucy Mullins

Female founders in fintech case series: Stepladder

We profile StepLadder, a platform aiming to help people achieve the dream of owning their first home. The case features Chief Operating Officer, co-founder and Oxford Saïd MBA alumna, Lucy Mullins, and CEO and co-founder, Matthew Addison.


Rise of BigTech platforms in banking

The relevance and importance of open banking is soaring, with API usage doubling in 2020 in concert with a sharp increase in contactless payments and online banking following the Covdi-19 pandemic. This whitepaper, the Initiative's first, uses interviews with leading industry professionals to build a future-facing picture of the banking sector in light of open banking regulations.

Research team

Core research team

Led by Professor Pinar Ozcan, the following faculty members manage research projects within the initiative.

Supporting faculty and associates

Members of the Oxford Saïd academic community who support the Initiative via participation in research projects or dissemination of teaching and research content.

Researchers and DPhil candidates

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University-wide collaborators

Relevant academic articles and working papers from our research team.


If you have any questions about how to get involved as a partner with us on this initiative, please contact