Markos Zachariadis


  • Professor and Chair in Financial Technology (FinTech) & Information Systems, MSM Marketing

Personal profile


Professor Markos Zachariadis holds the Chair of Financial Technology (FinTech) and is Full Professor of Information Systems at Alliance Manchester Business School (AMBS), at the University of Manchester. He is a member of the World Economic Forum’s Global Future Council on Financial & Monetary Systems; Chief Fintech Advisor to the President of the Hellenic Competition Commission, Greece’s competition and markets authority; and a FinTech Research Fellow at the Cambridge Centre for Digital Innovation (CDI), University of Cambridge. Professor Zachariadis’ research sits at the cross section of economics of digital innovation, financial technology studies, and network economics, and has studied extensively the economic impact of ICT adoption on bank performance, the diffusion of payment networks, and the role of data & standards in payment infrastructures (SWIFT), financial markets (LEI), and digital banking (Open Banking), among other things. His research has been published in top academic journals such as MIS Quarterly and Research Policy and has been awarded the NET Institute Award (NYU Stern Business School) for his study on the economics of payment networks, and the SWIFT Institute, SMS, and GRI Awards for his research on Open APIs and Digital Transformation in Banking. He is also co-author of The Society for Worldwide Interbank Financial Telecommunication (SWIFT): Cooperative governance for network innovation, standards, and community (London: Routledge 2014), and co-editor of The PAYTECH Book published by Wiley (2020).

Prof. Zachariadis is a board advisor, mentor, and international keynote speaker and has been invited from various global organizations to present his research insights, give talks at international events, and judge at international competitions (Bank of England, UK Parliament, European Commission, US Federal Government, World Bank, SIBOS, Money2020, GRI Summit, Microsoft, Bank of Canada/Payments Canada, SWIFT, Innovate Finance Global Summit, Central Bank of Seychelles, IBM, Financial Times, EY, etc.). He was also the organizer of an international conference in London on PayTech innovation which was funded by Gates Foundation, MasterCard, and Capco. As a recognised expert, Markos often shares his work and perspectives with media outlets such as The Times, World Finance, Financial Times' Banker Magazine, Bloomberg, Fortune Magazine, BBC, CNN, The Telegraph, Sky News, Wired Magazine, USA Today, ITV News, The Conversation, among many other. 

Prior to joining AMBS, Prof. Zachariadis was Associate Professor in Management Information Systems & Digital Innovation at Warwick Business School, University of Warwick – where he also directed the Executive Education Diploma in Digital leadership – Visiting Professor in Financial Technologies (FinTech) at Ivey Business School, Western University, Research Associate at the University of Cambridge Judge Business School, Visiting Scholar at London Business School, and Research Economist at the Centre for Economic Performance, London School of Economics. He studied economics at the University of Patras, Department of Economics and holds an MSc and PhD from the London School of Economics, Department of Management. Before turning to academia, Markos worked for multinational companies in the technology and financial services sector such as Hewlett Packard Inc. and UBS Investment Bank in Greece, Spain and the UK.

You can follow Markos on Twitter @MarkosZach and on Linkedin.

Expertise related to UN Sustainable Development Goals

In 2015, UN member states agreed to 17 global Sustainable Development Goals (SDGs) to end poverty, protect the planet and ensure prosperity for all. This person’s work contributes towards the following SDG(s):

  • SDG 8 - Decent Work and Economic Growth
  • SDG 16 - Peace, Justice and Strong Institutions

Education/Academic qualification

Doctor of Philosophy, PhD, Management (Economics of Payment Systems), London School of Economics & Political Science (University of London)

Award Date: 1 Apr 2011

Master of Science, Analysis, Design and Management of Information Systems (ADMIS), London School of Economics & Political Science (University of London)

Award Date: 30 Sept 2004

Bachelor of Economics, Industrial Organization (IO), Applied Microeconomics, Econometrics, Panepistimio Patron - University of Patras

Award Date: 30 Sept 2003

External positions

Member of the Global Future Council on Financial & Monetary Systems, World Economic Forum (WEF)

Oct 2019 → …

FinTech Research Fellow, Cambridge Centre for Digital Innovation (CDI), University of Cambridge

Jan 2016 → …


  • Financial Technology (FinTech)
  • Economics of Networks
  • Digital Innovation & Productivity
  • Data & Standards
  • Payment Systems
  • Financial Infrastructures
  • Open Banking
  • Blockchain & Distributed Ledgers
  • Digital Platforms
  • Open Finance
  • Digital Identity & Identification Infrastructures in Finance
  • PayTech


Dive into the research topics where Markos Zachariadis is active. These topic labels come from the works of this person. Together they form a unique fingerprint.
  • 1 Similar Profiles

Collaborations and top research areas from the last five years

Recent external collaboration on country/territory level. Dive into details by clicking on the dots or