2023 The Future of FinTech

Is there more to fintech than just crypto? We think so.

The University of Michigan's FinTech Initiative at the Ross School of Business and the Center on Finance, Law & Policy are hosting “The Future of Fintech” conference to consider new business, policy, and regulatory questions raised by recent technological developments. The one-day event will examine fintech’s effects on financial inclusion and consumer protection, the prospects for open banking in the United States and abroad, and the role of artificial intelligence in shaping interactions between firms and their investors. Conference sessions will begin with the presentation of an academic research paper. Each paper presentation will then be followed by a broader panel discussion among policymakers, industry practitioners, legal academics, and finance scholars on related legal and policy topics. Co-sponsored by the Ford School of Public Policy, Michigan Institute for Data Science (MIDAS) and the U-M Consumer Advocacy and Financial Regulation Organization.

Registration for this event is now closed. Please feel free to still come by!

View the event details here

Friday, April 21, 2023

U-M Ross School of Business, Tauber Colloquium

8:00-8:45 a.m. Conference registration and continental breakfast
8:45-9:00 a.m.

Opening Remarks by Tom Buchmueller, Senior Associate Dean Dean for Faculty & Research at University of Michigan's Ross School of Business

9:00-10:15 a.m.

Panel 1: Fintech and Consumer Protection

Paper: "Predictably Unequal? Effects of Machine Learning on Credit Markets"

Moderator: Jeremy Kress, Assistant Professor of Business Law, Ross School of Business, University of Michigan

Ansgar Walther, Associate Professor of Finance, Imperial College London (paper co-author)
Patrice Ficklin, Fair Lending Director, Consumer Financial Protection Bureau
Patricia McCoy, Liberty Mutual Insurance Professor of Law Boston College Law School
Brian Stucky, Team Lead - Rocket Ethical AI, Rock Central

10:15-10:30 a.m. Coffee Break
10:30-11:45 a.m.

Panel 2: Open Banking and Fintech

Paper: "Customer Data Access and Fintech Entry: Early Evidence from Open Banking"

Moderator: Uday Rajan, Professor of Business Administration, Ross School of Business, University of Michigan

Greg Buchak, Assistant Professor of Finance, Graduate School of Business, Stanford University (paper co-author)
Tom Devlin, Managing Counsel, Office of Regulations at Consumer Financial Protection Bureau
Sima Gandhi, CEO & Co-founder, Creative Juice
Chris Odinet, Professor of Law, University of Iowa College of Law

11:45-1:00 p.m. Networking Lunch in the hallway outside Tauber Colloquium
1:00-2:15 p.m.

Panel 3: Fintech and Financial Inclusion

Paper: "Can Fintech Reduce Disparities in Access to Finance? Evidence from the Paycheck Protection Program"

Moderator: Emmanuel Yimfor, Assistant Professor of Finance, Ross School of Business, University of Michigan

Isil Erel, Professor of Finance, Fisher College of Business, Ohio State University (paper co-author)
Ivy Lau, Public Affairs and Strategic Research Lead Manager, PayPal
Mark O'Horo, General Attorney, Office of the Comptroller of the Currency
Lindsay Sain Jones, Assistant Professor of Legal Studies, Terry College of Business, University of Georgia

2:15-2:30 p.m. Coffee Break
2:30-3:45 p.m.

Panel 4: Disclosure and Artificial Intelligence

Paper: "How to Talk When a Machine is Listening? Corporate Disclosure in the Age of AI"

Moderator: Lindsey Gallo, Assistant Professor of Accounting, Ross School of Business, University of Michigan

Wei Jiang, Professor of Finance, Goizueta Business School, Emory University (paper co-author)
Baozhong Yang, Associate Professor of Finance, Georgia State University (paper co-author)
Tara Bhandari, Financial Economist, Office of Corporate Finance, U.S. Securities and Exchange Commission
George S. Georgiev, Associate Professor of Law, Emory University School of Law

3:45-4:00 p.m. Closing remarks