Ixart Miquel‑Flores is a doctoral candidate in the Finance Department at Frankfurt School of Finance & Management. He has also been a visiting Ph.D. student at the University of Virginia Darden School of Business and the University of Chicago Booth School of Business. Ixart works at the European Central Bank (ECB), where he has gained multi-year experience in Monetary Policy, Banking Supervision, and the intersection of Finance and Technology. His expertise covers crisis management, market risk