PhD students

Prior to starting my PhD studies in Financial Economics at the University of St Andrews, I earned an MSc and BSc in Quantitative Finance from Imperial College London and Bayes Business School, respectively.

My research focuses on empirical asset pricing, particularly using machine learning techniques to predict security returns. After completing my first chapter on the cross-section of stock returns, I am investigating option return predictability and utilising options data to forecast returns across different asset classes.

During my studies at St Andrews I’ve engaged in a range of academic activities including spending time back at Imperial College London for further PhD level training, attending EQD conferences in Abu Dhabi and Japan, presenting my work on residual factors at IFS Hong Kong, and attending a PhD module at the Yale School of Management in financial machine learning.

I am a PhD candidate in the Department of Management at the University of St Andrews, funded by St Leonard’s World Leading Doctoral Scholarship. My research explores the interplay between business strategy, climate sustainability, and corporate disclosures.

Prior to starting my PhD, I gained experience in both academia and industry. I have taught at the undergraduate level, published in peer-reviewed journals, and worked on consultancy projects funded by the World Bank and the World Health Organisation. I also hold an MPhil (Research) in Business Administration with a specialisation in Accounting & Finance and a BSc (Hons) in Accounting & Finance.

My secondary research interests include corporate governance, tax responsibility, tax avoidance, social media disclosures, financial distress, impression management and the higher education sector. My work is published in journals such as Applied Economics, Corporate Governance, and Financial Accountability & Management.

I am a PhD student at the University of St Andrews Business School.

Before pursuing my PhD, I worked for the largest commercial bank in Vietnam (BIDV) for 17 years in various positions, recently as a Vice President, Head of Asia, Development Financial Institutions and Sustainable Finance at Financial Institutions Group.

I hold an MSc in Money, Banking, and Finance from the University of Birmingham under the UK government’s Chevening Scholarship and a Bachelor of Finance – Banking from the Banking Academy of Vietnam.

I am currently conducting research in banking with an emphasis on Green Lending. Specifically, I’m considering a PhD project exploring the impact of Net Zero emissions policies on bank lending in developing countries. My research interests also include advancement in sustainability and environmental, social and governance (ESG) issues.

My PhD is funded by a University of St Andrews School of Management PhD Studentship.

I am a PhD candidate in Management at the University of St Andrews. My research focuses on ESG (Environmental, Social, and Governance) reporting, with particular attention to diversity washing and the gap between corporate disclosures and actual practices. Using content analysis and machine learning, I examine how ESG narratives are constructed and interpreted, aiming to identify patterns of symbolic compliance and contribute to more credible reporting standards.

Before my PhD, I worked as an Associate Lecturer at Cairo University, teaching finance, accounting, and management modules and contributing to curriculum reform aligned with ACCA and CIMA standards. I also led corporate training initiatives in financial literacy and governance and served as Broadcasting Director of the student union.

I hold an MSc in Business Administration (Finance) and dual undergraduate degrees in Finance and Insurance. At St Andrews, I teach on MN1002 Organisations and Analysis and contribute to the doctoral community and peer review for Business Strategy and the Environment.

I am a PhD student in the Department of Management at the University of St Andrews Business School, funded by a doctoral scholarship.

I hold an MSc in Accounting with distinction, where I examined the tax avoidance behavior of Egyptian firms that undertook corporate social responsibility (CSR) activities and explored whether and how reforms in their corporate governance structures may reshape this relationship.

I completed my undergraduate studies in accounting with honors, graduating as the valedictorian of my class. Since then, I have spent the past five years in academic teaching roles, primarily as a teaching assistant. This experience has strengthened my commitment to research as well as my engagement with the academic field.

My research interests include CSR, modern slavery, tax avoidance, and corporate governance.

I am a PhD candidate in Finance at the University of St Andrews, funded by the Business School PhD Studentship. My doctoral research focuses on volatility modelling, derivatives pricing, and portfolio management.

I earned an MSc in Banking and Finance with distinction from the University of St Andrews (2023 to 2024). My dissertation investigated equity premium forecasting in the UK market using dividend-to-price ratios. Previously, I completed an MA (Hons) in Economics and International Relations at the University of St Andrews (2018 to 2023), specialising in financial modelling, portfolio management, and asset pricing.

My professional experience includes internships at financial institutions, where I developed FinTech investment solutions, conducted financial analyses, and performed comprehensive risk assessments.

My primary research interests are empirical asset pricing, derivatives markets, and quantitative portfolio management.

I am a PhD candidate in FinTech at the University of St Andrews Business School, funded by the School of Management PhD Studentship. I hold an MSc in Banking and a BSc in Mathematics.

My current research adopts a machine learning approach to monitoring financial decision-making, with the aim of contributing new insights into the impact FinTech could have on the exploitation of financially vulnerable individuals.

My previous research projects explored the implementation of 50-cell LSTM-RNNs in the financial time-series forecasting of crude oil markets.

As a postgraduate researcher, I have gained experience as a Data Science PhD Fellow with the Alan Turing Institute. My interests for further research include FinTech-backed investment modelling and FinTech regulation.

I studied at the University of St Andrews from 2020 to 2021, where I earned an MSc in Banking and Finance with distinction. My specialisations included banking and finance, advanced corporate finance, and alternative investments, as well as applied and advanced econometrics.

Prior to that, I attended the University of Greifswald from 2015 to 2020, where I undertook advanced studies in business administration and earned a postgraduate degree, Diplom-Kaufmann with a grade of 1.3. My specialisations included quantitative finance and risk management, organisation and personnel economics, and growth, structural change, and trade.

My primary research interests focus on consumer behaviour utilising high frequency banking data. My secondary research interest includes financial markets, international finance and financial education.

I am a PhD candidate in the Department of Finance at the University of St Andrews Business School, funded by a doctoral scholarship.

My research examines how children learn about money within their families and outside formal educational settings. Using a mixed methods approach, I investigate how the digitalisation of finance and children’s FinTech shape family financial socialisation processes and influence the development of seven- to eleven-year-olds’ financial capabilities in the United Kingdom.

I hold an MSc in Psychological Studies (with Distinction) from the University of Glasgow, where I specialised in educational and developmental psychology. My dissertation qualitatively explored the family financial socialisation of four- to six-year-olds in England during the cost-of-living crisis.

Prior to this, I spent over a decade working internationally as a teacher and tutor in private households with children from ultra-high-net-worth families, experiences that continue to inform my research into financial attitudes and behaviours within families.

I hold a Bachelor of Commerce (Hons) degree in Economics from University of Malta with First Class Honours and an MSc degree in Economics from University of Exeter, with Distinction (First in Class). I am doing a PhD in Economics jointly between the Universitat de Barcelona and University of St Andrews, focusing on the misallocation effects of macroprudential policies.

My PhD research explores whether macroprudential policies may inadvertently cause credit misallocation, shifting financial activities and risks beyond the policies’ targeted economic agents and institutions. The results of this thesis may underscore the need for more robust macroprudential policies, in light of financial instability, including climate-related financial instability.

I am an ACCA qualified accountant with an MSc degree in Professional Accountancy, and I work on policy-relevant research within the Financial Stability Research Office, drawing on my experience as a Senior Research Economist at the Central Bank of Malta.

I hold an MSc in Business Analytics and Finance from the University of Sydney, where I gained interdisciplinary training in econometrics, machine learning, corporate finance, and data-driven decision-making. My graduate studies emphasised both theoretical foundations and practical applications, particularly in analysing large-scale financial and economic data.

Prior to that, I earned an Honours Bachelor of Science in Statistics and Mathematics from the University of Toronto, which provided a rigorous foundation in probability theory, statistical inference, and quantitative modeling.

My research interests are macrofinance, financial intermediation, and credit markets.