I am a monetary economist whose work bridges history, policy, and financial innovation. I currently serve as Associate Professor in Banking and Economics and Programme Leader of the MSc International Banking and Finance at the University of Insurance and Finance (UZF), Sofia, where I designed and lead Bulgaria’s first international master’s programme in banking and finance delivered by an international faculty (including the inventor of Quantitative Easing, Professor Richad Werner).

In fact, I earned my PhD in Economics from the University of Southampton (QS100 University) under the supervision of Professor Werner. My research focuses on the political economy of money, banking system structures, and the evolving relationship between central and commercial banks as well as their frictions with the real economy. My work critically examines the creation of money by private credit institutions and the implications of new financial technologies and Central Bank Digital Currencies (CBDCs) for future monetary governance and the wider society.

I have held academic positions at Middlesex University (London, UK) and the University of Winchester (Winchester, UK), where I also served as Faculty Post-Graduate Coordinator and Programme Leader for postgraduate finance and business programmes.

My academic contributions include articles in leading journals such as Review of Political Economy, Post-Communist Economies, and Qualitative Research in Financial Markets. I am also a board member of the Association for Research on Banking and the Economy (ARBE) and a member of a number of economics societies.

My most recent books Money Matters: The Power of Banking Structures and Credit in Economic Growth (2025), A Guide to the Modern Monetary System in the 21st Century: From Traditional Banking to FinTech and CBDCs (2025), and Debt, Design and Disparity: Monied Power and the Institutional Roots of Unequal Britain (2025), all offer a fresh synthesis of theory and empirical insight into how banking and money shape modern capitalist economies.

I continue to advise policymakers, financial institutions, and researchers on banking reform and sustainable finance. My ongoing research explores how banking and fintech ecosystems, regulatory frameworks, and monetary innovations intersect to redefine financial stability and inclusion.