Call for Applications: Predoctoral Researcher Funding Contract 2026 ¿Interesado en saber más sobre este trabajo? Desplácese hacia abajo y descubra qué habilidades, experiencia y cualificaciones académicas se necesitan. We are offering a Predoctoral Researcher Funding Contract to work on the project titled “Financial inclusion tools to address the challenges related to accessing financial services” . This contract covers a three-year scholarship to pursue a PhD within the Business and Territorial Competitiveness, Innovation and Sustainability program (CETIS) at the IQS School of Management, Universitat Ramon Llull (Barcelona, Spain). It includes a full-time employment contract starting in March 2026, and full coverage of doctoral tuition fees for the three-year period. The selected candidate will work within a multidisciplinary research environment, engaging with the Sustainability, Economics and Ethics Research Group (SEE) . The doctoral thesis will be supervised by Dr. Francesc Prior Sanz from the Department of Economics and Finance and Dr.



Octasiano Valerio Mendoza from the Department of Mathematics and Data Analytics. What is the general project? 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. Key obstacles include high service costs, limited branch access, misaligned risk assessments, poor financial education, and weak regulations. To address these, this project aims to examine innovative solutions like microfinance, blockchain, and the formal use of remittances. By focusing on both supply and demand challenges, the project seeks to identify effective Financial Inclusion Tools (FITs) that can combat poverty and marginalization, extending FI benefits not only to developing nations but also to transition and developed economies. There are several factors that impede FI among low-income segments of the population. This may be attributed m

📌 Predoctoral Researcher Funding Contract on Financial Inclusion (España)
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