Kremena Bachmann

Prof. Kremena Bachmann is a Professor at the ZHAW School of Management and Law, specializing in Behavioral Finance, Household Finance, and Retirement Decision Making. She holds a PhD from the Swiss Finance Institute, University of Zurich, and has extensive postdoctoral research experience at the University of Zurich's Institute of Banking and Finance. She leads the 'Certificate Program for Advanced Studies in Behavioral Finance' and serves as Head of Research and Development at Moor & Bachmann AG. Her research focuses on investor behavior, financial decision-making biases, and retirement planning strategies. She has published widely in top journals like Journal of Economic Psychology and Financial Services Review, and received the 2007 Best Paper Award from the Swiss Society for Financial Market Research. She actively engages in media commentary, discussing topics like retirement asset allocation and minimizing savings gaps in Neue Zürcher Zeitung and Cash.

Education:

• PhD in Finance, Swiss Finance Institute, University of Zurich (2002–2007)
• lic.oec.HSG in Finance and Economics, University of St. Gallen (2003–2004)
• Bachelor's in Economics, Study Center Gerzensee (1995–2002)
• CAS in Higher School Didactic, Pedagogical School Zurich (2021)

Research Interests: Combines experimental methods with behavioral finance to study how cognitive biases affect investment decisions, particularly in retirement contexts. Recent work examines impact investor motivations and advisor influence on belief updating. She leads projects like 'Incentives and Retirement Savings in Switzerland'.

Grants & Projects:

• Swiss National Science Foundation (Project 'Behavioral Finance for Retail Banking')
• Leadership of the 'Certificate Program for Advanced Studies in Behavioral Finance' (University of Zurich, 2006–2007)

Labs/Teams: Coordinates interdisciplinary research teams at ZHAW and collaborates with private sector firms like Moor & Bachmann AG to bridge academic insights with practical financial advisory practices.