By <a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/">Saïd Business School</a>

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Read more about Stepladder: the development of a concept to allow people to access property deposits faster, supporting and preparing first time buyers for the process itself.

In Brazil, ROSCAs (rotating savings and credit associations) existed as part of high street banks’ offerings. It was here that Matt Addison studied ROSCA’s in order to understand how and why this centuries-old practice persisted in a sophisticated banking market and what lessons could be learned from them.

This was the research that first unlocked the idea for StepLadder, a home buying savings application developed to address the issues of ‘Generation Rent’.

House prices had risen sharply in 2014, following the 2008 Global Financial Crisis. First-time buyers were increasingly locked-out of homeownership, despite low interest rates and generous lending. People also took longer to save up for a deposit, which meant that they were falling further behind the amount they needed for mortgage deposits, due to erosion of buying power.

<a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/sites/default/files/2021-04/offti_stepladder_paper_1.pdf">Learn more:</a>

Female Founders in Fintech Case Series: Stepladder

By Martin Schmalz and Uri Bram

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By analysing apparently simple data sets, a combination of big data and artificial intelligence can offer a wide range of likely outcomes.

Read this exclusive excerpt from the recent book, The Business of Big Data: How To Create Lasting Value in the Age of AI, by Martin Schmalz and Uri Bram. The Business of Big Data explains the impact of big data on business models based on real economic logic instead of wild speculation, to help you understand its immediate impact on your decisions as an investor, an entrepreneur, a manager or a regulator, and enable you to thrive in the age of AI.

<a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/oxford-answers/ai-judging-you">Learn more:</a>

The AI is judging you

By <a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/">Saïd Business School</a>

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The relevance and importance of Open Banking is soaring, with API usage doubling in 2020 in concert with a sharp increase in contactless payments and online banking following the COVID-19 Pandemic. This paper uses interviews with leading industry professionals to build a future-facing picture of the banking sector in light of Open Banking regulations. We find that the rise of the platform business model and the double-edged sword of the new banking regulations provide a window of opportunity for new entrants, but particularly BigTech to play a significant role in the future of banking.

The relevance and importance of Open Banking is soaring, with API usage doubling in 2020 in concert with a sharp increase in contactless payments and online banking following the COVID-19 Pandemic. This paper uses interviews with leading industry professionals to build a future-facing picture of the banking sector in light of Open Banking regulations. We find that the rise of the platform business model and the double-edged sword of the new banking regulations provide a window of opportunity for new entrants, but particularly BigTech to play a significant role in the future of banking.

<a style="color: #4bbb87;" href="https://www.sbs.ox.ac.uk/sites/default/files/2021-02/Rise%20of%20BigTech%20Platforms%20in%20Banking%20-%20Oxford%20White%20Paper%20Final%20%28002%29.pdf">Learn more:</a>

The rise of big tech platforms in banking

Saïd Business School at the University of Oxford blends the best of new and old.  We are a vibrant and innovative business school, but yet deeply embedded in an 800-year-old world-class university.  We create programmes and ideas that have global impact.  We educate people for successful business careers, and as a community seek to tackle world-scale problems.  We deliver cutting-edge programmes and ground-breaking research that transform individuals, organisations, business practice, and society.  We seek to be a world-class business school community, embedded in a world-class university, tackling word-scale problems.
Our online campus enables you to engage and interact with a global cohort of like-minded professionals and innovators.  <a href="http://www.sbs.oxford.edu/online">www.sbs.oxford.edu/online</a>

Saïd Business School, University of Oxford

Saïd Business School at the University of Oxford blends the best of new and old.  We are a vibrant and innovative business school, but yet deeply embedded in an 800-year-old world-class university.  We create programmes and ideas that have global impact.  We educate people for successful business careers, and as a community seek to tackle world-scale problems.  We deliver cutting-edge programmes and ground-breaking research that transform individuals, organisations, business practice, and society.  We seek to be a world-class business school community, embedded in a world-class university, tackling word-scale problems.

Our online campus enables you to engage and interact with a global cohort of like-minded professionals and innovators.  <a href="http://www.sbs.oxford.edu/online">www.sbs.oxford.edu/online</a>

Professor of Entrepreneurship and Innovation, Saïd Business School

Professor of Entrepreneurship and Innovation at <a href="https://www.sbs.ox.ac.uk/">Saïd Business School, Oxford University</a>. She is also the academic director of <a href="https://www.sbs.ox.ac.uk/research/centres-and-initiatives/entrepreneurship-centre">the Oxford Entrepreneurship Centre </a>and the <a href="https://www.sbs.ox.ac.uk/research/centres-and-initiatives/oxford-future-finance-and-technology-initiative">Oxford Future of Finance and Technology (Fintech) Initiative</a>.
Pinar specializes in strategy, entrepreneurship, and technology markets. Her current research includes AI and business models in fintech, open banking, digital disruption, and the rise of big tech platforms. She serves in advisory roles working with regulatory authorities such as the Competition and Markets Authority UK, the Financial Conduct Authority UK, the European Commission and the OECD on these topics.
Pinar completed her Ph.D. at the Stanford Technology Ventures Program (STVP) at the Stanford University Management Science and Engineering Department, and also holds a Master of Science and dual Bachelors degrees from Stanford.
Since completing her PhD, Pinar has received the Excellence in Research Award at IESE, the EFMD Best Teaching Case Award, the IDEA Entrepreneurship Thought Leader Award, and Best Paper Nominations and Awards at Academy of Management Journal and Strategic Management Society. Pinar is also the 2015 recipient of the British Academy Newton Grant for the study of open innovation, the 2016 SWIFT award for the study of the UK Banking industry’s transition into open application programming interfaces (API’s), and the 2016 Best Conference Paper Award at Strategic Management Society.
In 2017, Pinar had the honor to be selected to the Top 40 Business School Professors under 40 by <a href="http://poetsandquants.com/2017/03/26/2017-best-40-40-professors-pinar-ozcan-warwick-business-school/">Poets and Quants</a>. In 2018, Pinar received the Strategic Management Society Research in Organizations Award for her work on the disruption in the banking sector in partnership with Swift Institute. She was also selected to the global Thinkers 50 list for emerging thinkers with the potential to make lasting contributions to management theory and practice in 2018. In 2019, Pinar was chosen as a British Academy Mid-Career Fellow for her work on the disruption of banking in Europe and the UK.
In 2021, Pinar was chosen to the <a href="http://www.innovatefinance.com/womeninfintech/powerlist2021/#1645113002767-cf739a5a-8bcd/">Global Women in Fintech Powerlist </a>by Innovate Finance. In 2023, Pinar was selected to the Advisory Committee of the OECD Digital for SMEs Global Initiative (D4SME), which aims to help SMEs seize the benefits of digitalization. Finally in 2024, she was selected as an Academic Advisor to the Bank of England Digital Pound Initiative.
Originally from Istanbul, Turkey, Pinar speaks English, German, Spanish, Turkish and Dutch. She is a founding partner of <a href="http://www.blanchard.com.tr/public/external-page.aspx">Blanchard International Turkey</a>. Her work experience also includes management consulting at Siemens Corporation in Munich, Germany, and strategy consulting with technology ventures and venture capital firms in the Silicon Valley. Her current topics for public speaking include:
– Digital Disruption 
– Platform and Ecosystem Strategy 
– Role of AI and Blockchain in Business 
– Digital Entrepreneurship 
– Fintech Strategy (both for entrepreneurs and for larger firms partnering with fintech) 
– Technology Disruption in Finance 
– Open Banking and Data-Driven Innovation in Finance