Predoctoral Researcher on Financial Inclusion
IQS Barcelona invites applications for a Predoctoral Researcher Funding Contract to work on the project "Financial inclusion tools to address the challenges related to accessing financial services". The position offers a three-year scholarship and full-time employment starting in March , covering doctoral tuition and providing a full employment contract within the Business and Territorial Competitiveness, Innovation and Sustainability (CETIS) program at the IQS School of Management, Universitat Ramon Llull, Barcelona, Spain.
Overview
Financial Inclusion (FI) is recognized as a crucial instrument for economic advancement. This project explores barriers to FI and tools to improve access to financial services, addressing high service costs, limited branch access, misaligned risk assessments, poor financial education, and weak regulations. The research aims to examine innovative solutions such as microfinance, blockchain, and the formal use of remittances, focusing on both supply and demand challenges. Eight Financial Inclusion Tools (FITs)



are investigated: mobile money, non-bank financial distribution, behavioural credit risk, workers' remittances, adapted financial regulation, financial education, microfinance business models, and blockchain technology.
Core Objectives
- Construct and analyze novel indicators of financial inclusion across regions.
- Assess the effectiveness of the FITs.
- Generate and propose new FITs to address access challenges.

This highly data-driven, interdisciplinary effort combines finance and economic sciences, employing advanced econometric techniques, experimental research, and a novel panel dataset.
Key Responsibilities
- Conduct core research activities leading to the PhD thesis within the project.
- Perform advanced data processing and analysis, indicator development, and contribute to experimental research components.
- Actively participate in training activities, research seminars, and col

📌 Predoctoral Researcher On Financial Inclusion (España)
🏢 EMBA La Salle
📍 España