Sylvain Bouyon is a Research Fellow at CEPS, where he is the head of Fintech and retail finance. Previous appointments include those of Economist at the European Mortgage Federation, at the Participation Fund and at the National Bank of Belgium. He received a doctorate in France on monetary policies, and earned degrees (at the equivalent levels to both bachelor and master degrees) in economics and finance at the Ecole Normale Supérieure de Paris and Université Paris 1 Panthéon Sorbonne. During his career, Sylvain has managed several large European research projects in financial innovation, financial regulations and Fintech. He has also published several books and articles on these topics.