Dedicated to the legal study of financial advice and its intersections with the world of insurance, credit, pensions, crypto-assets and the evolution of technologies applied to finance (FinTech). International Tecnovisionarie Award dedicated to “FinTech: female excellence”, promoted by the Women&Tech association (2022). Author of numerous publications on financial, banking and insurance issues. Member of several research groups on projects related to financial technology. Researcher in the DIDINET research project, promoted by the University of Alicante.

Speaker at various conferences on innovative financial topics; member of the scientific committees of Feduf (Foundation for Financial Education and Savings, created by the Italian Banking Association), Women&Tech Association and AssoFinTech.

Filippo Zatti is Professor of Economic Law at the University of Florence, where he also coordinates the BABEL research unit. His research work focuses on the legal aspects of blockchain technology, concentrating especially on tokens and central bank digital currencies. Zatti participates as a lecturer in the National PhD in Blockchain & DLT and leads the local unit of the PRIN 2022 project, which explores the governance of the token economy with funding from the Italian Ministry of University and Research.

He recently collaborated with the Bank of Italy on Fintech Milano Hub 2022 and worked as legal advisor to the Italian Parliament’s bicameral Commission of Inquiry on the banking and financial system. He was also a visiting professor at the University of Edinburgh Law School. Zatti is an academic member of the European Banking Institute and an academic advisor to INATBA, as well as being involved in the UCL Centre for Blockchain Technologies and a member of the European Law Institute.

Rosa Giovanna Barresi, LL.M. (FU), is a lawyer in corporate and financial law in Rome. She is an adjunct professor at the Laboratory on Crypto-assets of the School of Economics and Management, University of Florence and an associate member of the Babel Research Unit (Blockchains and Artificial Intelligence for Business, Economics and Law) at the Department of Economics and Management of the University of Florence, where she also lectured in the Economics and Law of Digital Assets (ELDA) course. He holds an LL.M. in Banking, Corporate Finance Law from Fordham University School of Law in New York (2005), where she worked at the international law firms Covington Burling LLP and Davis Polk Wardwell LLP.

She founded the “Amerigo for Law” a collaborative learning programme in US law for European lawyers and managers held in 2017, 2018, 2019 in New York City, Washington DC and Boston in collaboration with Fordham University School of Law; American University – Washington College of Law; Georgetown University – Institute of International Economic Law; Massachusetts Institute of Technology – Sloan School of Management.

She is an expert of the Digital Euro Association (DEA). Her research focuses on financial market infrastructures, with a particular focus on personal payment devices and central bank digital currencies. She lectured at many international conferences and has been a member of the DEA’s Digital Euro Association (DEA).

Professor of Commercial Law at the Universidad Pablo de Olavide of Seville. Her main lines of research are Banking Law and Digital Law. She has specialised in electronic means of payment, on-line advertising, tourist services and crypto-assets, areas in which she has made numerous contributions in the form of monographs, doctrinal articles and book chapters. She has been director, speaker, presenter and moderator of round tables at scientific events (conferences, seminars and congresses). She has been Co-Principal Researcher in a research project on Digital Law and researcher in several projects on New Technologies Law and Financial System Law. She has been a member of the Boards and Scientific Committees of national and international conferences and has participated in their organising committee. She has co-directed collective works and since 2022 she is Co-director of the Master’s Degree in New Technologies Law at the Universidad Pablo de Olavide of Seville, where she teaches the subject of Electronic Contracting in the Financial System.

Dr Zofia Bednarz has been an active member of the BAES group since its inception. Zofia holds a PhD in Law from the University of Malaga, and is currently a Lecturer in Business Law at the Faculty of Law, University of Sydney, Australia (among the top 20 law schools in the world according to QS World University Rankings). Zofia researches issues related to new technologies: Artificial Intelligence, Big Data and Blockchain, and their use by financial institutions, with a special focus on their implications for the protection of consumers of financial services. On these topics, Zofia has published numerous articles in leading Spanish and Australian journals, and is co-editor of the forthcoming collective work Money, Power and AI: Automated Banks and Automated States to be published by Cambridge University Press.

Professor of the Department of Computer and Systems Informatics of the Universitat Politècnica de València, in its campus of Alcoi. With more than 25 years of teaching experience. Has taught in several professional courses and directed more than 140 Final Degree Projects and Final Degree Projects. Since 2010 has made research stays in several European countries. He has participated in several teaching publications and in several teaching and research conferences, and has collaborated in several research projects such as the SpedApps Project, funded by the Norwegian government, or in the CARPE European Sustainable Solutions for Existing and New City Environments project funded by the European Commission.

Academic Director of the Degree in Computer Engineering from 2010 to 2014. Director of the Smart City Chair created in 2014, funded by the City Council of Alcoi, until the end of 2020, and Deputy Director of Infrastructure and Communications from June 2015 until the end of 2020. He has four recognised five-year teaching periods.

Graduate in Economics and Business Studies from the University of Alicante (1987-1992).

Master in Business Administration -MBA- Instituto de Empresa, Madrid (1992-93).

Degree in Economics and Business Studies, University of Alicante (1998).

PhD in Economics and Business Studies, University of Alicante (2000). Extraordinary Doctorate Award.

His main lines of research are related to entrepreneurship, business creation and the figure of the entrepreneur. Also with the scope and influence of new technologies, especially blockchain technology, on business opportunities and their use cases in companies.

Permanent collaborator at the Instituto de Estudios Económicos de la provincia de Alicante (INECA), since its foundation in 2008 as head of the Studies Area.

Telecommunications Engineer and PhD in Computer Engineering, he is Associate Professor at the Department of Information Technology and Computing and Secretary of the Institute for Computer Science Research at the University of Alicante. With a distinguished career in teaching and research, his focus is on Artificial Intelligence, Robotics and Blockchain. He has extensive accredited experience in teaching and research, with 4 six-year research periods recognised to date. He has published more than 70 articles in international journals and conferences on topics related to machine learning, computer security and robotics, among others. He teaches in several Bachelor’s and Master’s degrees at the University of Alicante and contributes to scientific dissemination, especially in educational robotics. He organises events and collaborates in initiatives to bring technology closer to society.

Professor at the Faculty of Law of the University of Havana. Doctor in Legal Sciences since 1989. Specialist in Economic Law and Industrial Property, in which she has taught undergraduate and postgraduate courses in Cuba and in other countries as a guest lecturer. President of the Cuban Society of Economic and Financial Law of the National Union of Jurists of Cuba. President of the Chair of Intellectual Property of the University of Havana of the UNESCO Chairs. Member of the International Association of Professors of Industrial Property (ATRIP). Arbitrator of the Cuban Court of International Commercial Arbitration. Arbitrator of the International Court of The Hague. Member of the Cuban Academy of Sciences. Adviser to the Drafting Commission of the 2019 Constitution of the Republic of Cuba and member of the Drafting Commission of the Family Code. Member of the Central Group of Legislative Capacity, in charge of the elaboration and analysis of complementary norms to the Constitution. Author of numerous scientific articles on law related to economic activity. Member of the Permanent Court of Scientific Degrees in Legal Sciences. Dean of the Faculty of Law of the University of Havana for 7 years and currently Vice-Rector of Institutional Development of the University of Havana.

Assistant lecturer at the Pablo de Olavide University of Seville. Accredited as a contract lecturer and lecturer at a private university.

Co-director of the LegalTech master’s degree, lecturer on the master’s degree in Law and collaborating lecturer in the area of Commercial Law at the Universidad CEU San Pablo in Madrid. She teaches as the lecturer in charge of a module in the Double Master’s Degree in New Technologies Law and Lawyering at the Universidad Pablo de Olavide of Seville.

Member of the working group of four national and three regional research projects. Member of the editorial board of the Revista Derecho del Mercado de Valores, collaborator and section coordinator of the Revista de Derecho del Transporte marítimo, terrestre, aéreo y multimodal, and permanent reviewer of the Revista Derecho del Sistema Financiero.

Author of two monographs, more than forty contributions in prestigious journals, more than twenty-five chapters in collective works, some thirty communications presented at conferences, and some twenty papers presented at scientific events.

She has carried out research stays at the University of Concepción (Chile) with which she maintains a constant relationship and collaboration, thus obtaining the international mention of the title of Doctor. She has taught non-university courses and carried out knowledge transfer activities.

Assistant Professor of Civil Law at the Universidad Autónoma de Madrid (2021-), accredited by ANECA as Profesor Contratado Doctor (2019) and Profesor de Universidad Privada (2018), and by AQU as Profesor Agregado (2021). PhD in Law with extraordinary prize from the University of Lleida (2017), for her doctoral thesis “El arrendamiento forzoso de vivienda”. She was awarded the IX Prize of the Revista Crítica de Derecho Inmobiliario (2020), for the work “Remedios del consumidor ante la abusividad en los instrumentos no financieros”, and the First Prize of the XII Certamen Universitario Arquímedes del Ministerio de Educación (2013), for the work “El acoso inmobiliario”. She has been awarded 1 sexenio nacional de investigación 2014-2019 by CNEAI-ANECA. She is a member of the research team of the Ministry of Science and Innovation Project “Vivir en comunidad: nuevas reglas para un nuevo paradigma” (2021-2025). PI: Prof. Dr. Sergio Nasarre Aznar. She is a member of the European Law Institute (2022-), LegalCripto by BAES (2023-), the International Network of Legal Experts in Vulnerability (2023-) and the Centre for Research in Digital Economy of the Universidad Autónoma de Madrid (2022-). He participates in an AI research project as a member of the working team.
Real Estate Law, Consumer Law, Civil Mediation and IT Law are her main lines of research. She has more than 70 scientific publications, 40% of which in Q1, and the monographs “Ley por el derecho a la vivienda” and “La expropiación temporal del uso de viviendas”, more than 40 presentations at academic conferences, as well as three-month post-doctoral research stays at UNIDROIT (2022) and The University of Manchester (2017). As for her knowledge transfer activity, she has several interventions in the media, the preparation of the report “La expropiación temporal del uso de viviendas vacías en la Comunidad Valenciana: propuestas legislativas para su recuperación e instrumentos análogos” for the Consejería de Vivienda de la Comunidad Valenciana (2022), and participation in the report “La propiedad privada en España” of the Institute of Economic Studies (2021).

Rafael is a lawyer at ICAM specialising in Digital Law and holds a PhD in Law from the CEU San Pablo University. Between 2011 and 2018 he was head of the international projects legal department of one of the largest renewable energy companies in the world. Graduated with honours from the Executive MBA programme at Skolkovo Moscow School of Management which gave him a broad perspective on business issues fostering an entrepreneurial mindset. He worked for several years in Zug (Switzerland) providing legal advice to some of the leading international projects which allowed him to deepen his knowledge of the Crypto Valley blockchain ecosystem.

Upon his return to Spain, he worked as an independent legal advisor specialising in blockchain projects and Digital Law, advising national and international clients. He is currently Of Counsel at Aledra Legal. In his entrepreneurial side, in 2020 he founded Stocken Capital, a legaltech company that uses blockchain as a registry to simplify corporate management and formalise investment operations for Spanish SMEs. This project has been chosen by the CDTI as a beneficiary in 2022 of the NEOTEC. It has also been one of the startups selected by Lanzadera for its acceleration programme in May 2023.

Rafael has always combined his professional work with his academic vocation: he is Professor of Commercial Law in various postgraduate programmes and Co-Director of the Master’s Degree in Digital Law and LegalTech at the CEU San Pablo University. He is a regular speaker at conferences, round tables, seminars and colloquiums on commercial law, blockchain, fintech, venture capital and internationalisation. Author of several research papers on blockchain, venture capital, crowdfunding, corporate governance, international commercial contracts and company law. He is a Corresponding Academic of the Royal Academy of Jurisprudence and Legislation of Spain, Coordinator of the Chair of Financial Markets Law – Association of Registrars of the CEU San Pablo University.

She holds a PhD in Law from the University of Lleida and specialises in digital economy taxation, Fin-Tech, data economics, blockchain and cryptoeconomics. She teaches as a lecturer at the Faculty of Law, Economics and Tourism of the University of Lleida where she is involved in international collaborations on the study of the Digital Market. She has collaborated with the Technical and Legal Committee of BlockchainFUE and with the DIDINET Research Project of the University of Alicante.

She is a member of the European Law Institut based at the Universität Wien and sits on the Advisory Committee of Members on Blockchain Technology and Smart Contracts of that institution. She has been a member of the University of Lleida funded projects “Rhizomik CopyrightLY : Decentralised Copyright Management for Social Media” launched in 2020 (funded by the European Commission in the context of “ONTOCHAIN” which is part of the “Next Generation Internet (NGI)” initiative) and the Agridat project (DIGITAL Europe Programme: 2021 – Preparatory Actions for Data Spaces (DIGITAL-2021-PREPACTS-DS-01)ID of the sponsor award: 101083401). She is currently participating in the project “Fiscalidad de la economía digital: repensando determinados parámetros de la tributación internacional” at the University of Alcalá de Henares, funded by the Spanish Ministry of Science and Innovation (ref. PID2021-126232OB-I00).

Dr. Marlon Iván Maldonado Narváez defended his doctoral thesis titled “Proposal for a Decentralized Global Digital Currency to Promote International Trade,” achieving the outstanding distinction of Cum Laude. Marlon is a lawyer and holds a Master’s degree in Business Law, with over 15 years of experience in both the public and private sectors. He has served as a legal advisor for various companies on matters related to commercial and corporate contracts. He has expertise in intellectual property, competition, and financial and fintech regulation. Additionally, he has taught Commercial and Corporate Law, National and International Contract Law, and Economic Law at both undergraduate and postgraduate levels.