Garegin A. Tosunyan
Scientific Director
Banking law · financial regulation · industry dialogue
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FINTECHLAB - EST. 2025
BEHAVIOR.FINANCE.PROTECTION.
We study behavioral vulnerabilities in digital finance - and turn experimental evidence into protective technologies, education, and regulatory insight.
/ FIELD SIGNAL
Protective knowledge
fails under pressure.
We measure why.
/ RESEARCH DIRECTIONS
WHO MAKES THE DECISION?
We study financial decision systems - human and autonomous - before decisions become financial losses.
FTLAB
01 / HUMAN
Human Financial Behavior
How people perceive risk, respond to pressure, and make financial decisions under manipulation.
PERCEPTION · PRESSURE · BIAS · DECISION · ACTION
Explore Human Research02 / AGENTIC AI
Agentic AI
How autonomous systems interpret intent, exercise authority, and make financial decisions.
INTENT · CONTEXT · AUTHORITY · EXECUTION · CONTROL
Explore Agentic AI/ EVIDENCE
What the laboratory can show today.
Counts below are derived from catalogued lab materials on this site - not marketing estimates.
4
Research programs
14
Catalogued research outputs
4
Registered software / databases
11
Active initiatives
13
Named institutional collaborations
12
Education & training formats
Peer-reviewed researchApplied behavioral experimentsRegistered research softwareInstitutional collaborations
Financial systems are technological.
Financial decisions are human.
We study the space where manipulation meets protection.
/07 - LABORATORY
People behind the research.
Academia, regulation, and banking practice in one research unit.
Olga V. Medyanik
Deputy Scientific Director · Leading Researcher
Behavioral economics · economic psychology · social engineering defense
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Maria A. Gagarina
Leading Researcher
Economic psychology · developmental psychology
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Oleg V. Skvortsov
Industry Lead · Association of Russian Banks (ARB)
Digital banking · fintech regulation · industry standards
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Sergey V. Kuznetsov
Regulatory Practice · Bank of Russia
Cybersecurity · social-engineering prevention · regional finance
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Stas Medyanik
Founder · Senior Researcher · AI / ML
Fraud detection · behavioral risk scoring · SupTech / RegTech
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Ivan A. Rozanov
Senior Researcher
Neuroeconomics · stress physiology · decision-making under pressure
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Karina Lobanova
Partner
Financial consulting · mediation · education through practice
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/08 - ECOSYSTEM
Science connected to practice.
Collaborations named in laboratory materials. Relationship labels stay conservative.
Bank of Russia
Regulatory collaboration
Association of Russian Banks (ARB)
Industry association collaboration
Kaspersky
Cybersecurity ecosystem
Positive Technologies
Cybersecurity ecosystem
Ingosstrakh
Program collaboration
Alfa-Bank
Collaboration
RWB
Program collaboration
IAREP
International research association
SPIMEX (SpbMTSB)
Named ecosystem partner
RESO-Garantiya
Program collaboration
Rosfinmonitoring
Regulatory collaboration
Yandex
Named ecosystem partner
Ozon
Named ecosystem partner