Carlos Serrano Cinca

Carlos Serrano Cinca is a Professor of Financial Economics and Accounting in the Department of Accounting and Finance at the University of Zaragoza, Spain, where he currently serves as Director of the Department. With a PhD in Economics and Business Administration from the same institution, his academic career spans several decades with significant contributions to the fields of financial technology, accounting, and microfinance.

Dr. Serrano Cinca earned his PhD from the University of Zaragoza with a thesis titled "Artificial Neural Networks in the Analysis of Financial Information," which received the Extraordinary Doctoral Award. He has also been a visiting researcher at the University of Southampton in the United Kingdom.

His research primarily focuses on the intersection of technology and finance, with four main pillars:

• The impact of Information and Communication Technologies on accounting practices and e-commerce
• Microfinance and social economy initiatives
• Quantitative analysis of accounting information using multivariate techniques
• Applications of artificial intelligence in accounting systems

His work demonstrates how advanced analytical methods can enhance financial decision-making and promote financial inclusion.

Analysis of his recent publications reveals a strong emphasis on microfinance innovation, particularly in credit scoring systems that incorporate social and environmental factors. His research bridges traditional financial analysis with emerging technologies, showing how machine learning and statistical methods can address challenges in peer-to-peer lending, financial inclusion, and sustainable banking practices. The interdisciplinary nature of his work connects finance, information systems, and social impact measurement.

Among his notable achievements is the

• Extraordinary Doctoral Award for pioneering work on neural networks in financial analysis

His research has been published in prestigious journals across multiple disciplines, reflecting the broad applicability of his work.

Throughout his career, Dr. Serrano Cinca has held several leadership positions including

• Coordinator of the Telefónica-University of Zaragoza Chair
• Head of the Aragonese Observatory of the Information Society
• Director of the Master's in Electronic Business Administration
• Coordinator of the Advanced Legal and Business Research Laboratory at Walqa Technology Park

His work demonstrates a consistent commitment to bridging academic research with practical applications in finance and technology.

He maintains an active research laboratory focused on financial technology applications, with particular emphasis on how digital innovations can enhance financial inclusion and promote socially responsible banking practices. His current projects explore the integration of environmental, social, and governance (ESG) factors into traditional financial analysis frameworks.