" /> Fintech — Edinburgh Innovations


The evolution of fintech (the application of technology in financial services) is replacing and refreshing many aspects of traditional banking. Technological advances and new regulations have substantially altered how financial services are and will be delivered.

Innovative businesses are taking advantage of fintech to develop new services that give consumers more choice about how they manage their money. The disruptive nature of fintech has also led to new and important ethical, legal and security challenges.

As one of the world’s leading universities, situated in the UK’s second largest financial services centre after London, the University of Edinburgh is working in partnership with companies across the sector.

University’s leading fintech role

The University is a founding member of FinTech Scotland and was named Financial Technology Partner of the Year at the 2019 Scottish FinTech Awards, in recognition of initiatives and engagement with financial services and fintech companies.

In June 2020 the Global Open Finance Centre of Excellence, hosted at the University, was awarded £22.5 million from the UK Government. As one of seven UK recipients of major Strength in Places funding across all sectors, the award recognises Edinburgh’s national leadership in finance innovation.

Of particular relevance to the financial sector is the University’s leading role in the Data-Driven Innovation programme of the £1.3 billion Edinburgh and South East Scotland City Region Deal and the creation of Edinburgh Futures Institute (EFI). The Institute connects researchers from across a range disciplines to address major industry challenges, and has a particular focus on the application and use of fintech. Our academics are developing interdisciplinary research to address societal challenges and explore new business models linked to the delivery of financial services. Working with partners in fintech and financial services we aim to develop solutions to address business challenges.

The University supplies a rich pipeline of talent to help businesses, both locally and globally, grow their fintech capabilities, and has ambitious plans to increase our impact and help make Edinburgh the Data Capital of Europe.

Key areas of expertise

Staff Bootcamp

  • Machine Learning and Artificial Intelligence

  • Blockchain, Distributed Systems and Cryptocurrencies

  • Data Science, Data Analytics and Data Visualisation

  • Data Ethics and Privacy

  • Cybersecurity

  • Statistics and Optimisation

  • Credit Risk, Scoring and Modelling

  • Asset Pricing and Investment

  • Financial Markets and Trading

  • Sustainable Finance

  • Financial Inclusion

  • Entrepreneurship and Innovation

  • Design and Technology Adoption

  • Natural Language Processing

Read about our current projects and success stories 

Royal Bank of Scotland

A Royal Bank of Scotland collaboration with data science and artificial intelligence researchers focuses on the ethical and human impact of applying machine learning and artificial intelligence in financial services. The collaboration aims to ensure bank customers benefit from the data revolution.


Inbest.ai, the Edinburgh-based banking personalisation platform that helps financial institutions to understand and serve each of their customers, and Dr Raffaella Calabrese, Associate Professor at University of Edinburgh Business School, are collaborating ona research project that aims to address the challenge of accessing income benefits and affordable finance swiftly for those individuals who have suddenly been made financially vulnerable as a result of the current COVID-19 pandemic. The project aims to help affordable lenders to make better short-term lending decisions for individuals who otherwise may fail to meet the standard credit risk models.


To find out more or discuss new opportunities, please contact our dedicated Financial Services and Fintech Sector Engagement Manager, Ksenia Siedlecka.

email: Ksenia.Siedlecka@ei.ed.ac.uk         

tel: 07969 486 295