Martin Summer is head of the economic research section at the Austrian Central Bank (OeNB). Before he joined OeNB in 2000 he worked as a lecturer at University of Vienna, University of Birmingham and the University of Regensburg. He has also worked as a visiting researcher at the Bank of England and the Financial Markets Group of the London School of Economics in 2004. His research interests are the Digitalization of Money and Finance, Banking Regulation and Systemic Risk, Financial Stability and Financial Economics. Martin holds a PhD. in economics from the University of Vienna.