Çağlar Hamarat

Çağlar Hamarat is a Lecturer at the Department of Banking and Finance within the School of Applied Sciences at Düzce University. He holds a PhD in Finance from the University of Strathclyde (2018-2023), an MSc in Banking and Finance from the University of Nottingham (2016-2017), and a Bachelor's degree in Actuarial Science from Marmara University (2005-2009). He is a Chartered Banker (2017-present) through The Chartered Banker Institute.

• Bachelor's: Marmara University, Actuarial Science (2005–2009)
• MSc: University of Nottingham, Banking and Finance (2016–2017)
• PhD: University of Strathclyde, Finance (2018–2023)

His research focuses on FinTech innovations in banking, regulatory impacts on lending practices, ESG integration in banking sectors, and econometric analysis of financial systems. Key areas include small business lending models, Basel regulation effects, and cost efficiency in banking sectors. His work bridges theoretical finance with practical regulatory challenges in global markets.

Recent publications analyze FinTech's role in overcoming traditional banking constraints, stochastic frontier approaches to banking efficiency in Turkey, and cross-jurisdictional regulatory impacts like Basel agreements on Singapore's banking policies. His 2022 award as a Fintech Student of the Year finalist highlights his contributions to financial technology research.

No grants or active labs are explicitly mentioned in the provided information. His professional portfolio reflects strong engagement with both academic research and practical banking certifications.