Umberto Filotto

Umberto Filotto is an Affiliate Professor of Banking and Insurance at SDA Bocconi School of Management, Bocconi University, and concurrently holds a Full Professor position in Banking Management at the University of Rome Tor Vergata. He directs executive education programs for senior banking professionals at SDA Bocconi and has led research/consulting projects for major financial institutions including Crif, CheBanca, Fiditalia, and GarantiBank.

Education:
Graduated magna cum laude from Bocconi University.

Research Focus:
Filotto's research examines the transformation of financial services through:

• Retail banking innovation and fintech disruption
• Consumer lending behavior and decision-making models
• Behavioral finance applications in consumer markets
• Evolution of financial business models and payment ecosystems

His work connects technological innovation with consumer financial behavior.

Publication Trends:
Recent works demonstrate strong focus on digital disruption in consumer finance (BNPL services, AI applications), financial literacy effectiveness, ESG communication during crises, and youth financial education. Publications consistently intersect behavioral economics with emerging financial technologies.

Professional Leadership:

• Secretary General of Assofin (Italian Association of Consumer Lending)
• Vice Chair of Eurofinas (European Federation of Consumer Credit)
• Editorial Board Member: Bancaria and Rivista di Regolazione e dei Mercati

Teaching Domains:

• Financial Marketing
• Fintech Innovation
• Investor/Consumer Behavior Analysis
• Multichannel Banking Strategies
• Consumer Credit Systems