Personal profile
Personal Statement
Dr Livia Pancotto is a Senior Lecturer in Banking in the Department of Accounting and Finance at the University of Strathclyde and Deputy Director of the Responsible Business Institute (ReBI). She is also an Academic Fellow of the Centre for Responsible Banking & Finance (CRBF) at the University of St Andrews and serves as Associate Editor of The European Journal of Finance.
She holds a PhD and MSc in Banking and Finance from Bangor University and previously completed undergraduate and postgraduate degrees at Sapienza University of Rome.
Her research focuses on empirical banking, financial regulation and financial stability, with particular attention to how regulatory and institutional reforms shape bank behaviour and market outcomes.
Her work is published in leading international peer-reviewed journals and maintains close engagement with policy institutions, including the Bank for International Settlements, where she currently serves as a Visiting Economist, and the European Central Bank.
She currently chairs the Research Committee of the International Accounting & Finance Doctoral Symposium (IAFDS).
Teaching Interests
Currently taught modules:
- Financial Management for Banks
- Risk Management for Banks
- Principles of Finance
Education/Academic qualification
Fellowship of Higher Education Academy (FHEA), Advance HE (formerly Higher Education Academy)
Award Date: 3 Sept 2021
Postgraduate Certificate (PG Cert) in Teaching and Learning, University Of Strathclyde
Award Date: 1 Sept 2021
Doctor of Philosophy, "Completing a Banking Union in Europe: Evolution, challenges and market impact", Bangor University
Sept 2014 → Feb 2018
Award Date: 1 Aug 2018
Master of Science, "Sovereign contagion in the Eurozone: Evidence from the CDS market", Bangor University
Sept 2013 → Sept 2014
Master of Science, "Relationship banking, profitability and credit quality. A case of cooperative banks", Sapienza University of Rome
Dec 2009 → Jan 2012
Bachelor of Science, "The Italian payment card industry. The case of CartaSì", Sapienza University of Rome
Sept 2005 → Dec 2009
Keywords
- European banking
- Banking Union
- Banking Regulation
- Financial Stability
- Credit Default Swaps
- Empirical Banking
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Collaborations and top research areas from the last five years
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Visiting Economist at the Bank for International Settlements
Pancotto, L. (Principal Investigator)
22/09/25 → 22/03/26
Project: Knowledge Exchange (Services/Consultancy)
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Technical Adviser at the Bank for International Settlements
Pancotto, L. (Principal Investigator)
12/05/25 → …
Project: Knowledge Exchange (Services/Consultancy)
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Economic impact of AI in emerging market economies
Gambacorta, L., Kharroubi, E., Mehrotra, A. & Pancotto, L., 17 Feb 2026, BIS Bulletin, 121 8 p.Research output: Contribution to specialist publication › Article
Open Access -
The hidden maturity of non-maturing deposits: how banks model it
Coulier, L., Pancaro , C., Pancotto, L. & Reghezza, A., 8 Jan 2026, SUERF Policy Brief, No 1336 7 p.Research output: Contribution to specialist publication › Article
Open Access
Prizes
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Best Banking and Finance Master’s dissertation – Bangor Business School
Pancotto, L. (Recipient), 2014
Prize: Prize (including medals and awards)
Activities
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Journal of Business Finance & Accounting (Journal)
Pancotto, L. (Peer reviewer)
Jan 2026Activity: Publication Peer-Review and Editorial Work › Journal peer review
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Interview for Swissquote Magazine
Pancotto, L. (Recipient)
Sept 2025Activity: Public Engagement and Outreach › Media Participation