Jan Toczynski

Welcome to my website! I recently graduated from the Swiss Finance Institute PhD program in Finance at the University of Zurich. I am interested in household finance, fintech, and empirical banking. 

My most recent work analyzes large-scale transaction data from a personal finance app to answer questions about households' consumption sensitivity, debt repayment behavior, and investments, particularly in cryptocurrencies.

You can find my CV and links to my working papers in the panel on the right.