180+ Banking and Finance Dissertation Topics – Instant Approval

Banking and finance is a fast-moving field that never stays still — which means your dissertation needs to be based on something timely, clear, and worth digging into. Whether you’re looking into financial tech, investment risks, monetary policies, or ethical banking, the topic you choose can shape how confident you feel during the research and writing process.

That’s why this list gives you up-to-date dissertation topics in banking and finance. These ideas are focused, practical, and built to help you find something strong to base your project on — whether you’re a Bachelor’s, Master’s, or PhD student.

Banking and Finance Dissertation Topics

• Impact of central bank digital currencies on global remittance
• Performance analysis of ESG-based mutual funds
• Risk management practices in Islamic banking institutions
• Role of financial literacy in SME loan repayment behaviour
• Cross-border mergers and acquisitions in the banking sector
• Crypto regulations and investor confidence in developing countries
• Impact of inflation targeting on economic growth in Asia
• Basel III compliance and bank profitability in the UK
• Blockchain adoption in cross-border payment systems
• Lending behaviour of microfinance institutions post-COVID
• Role of credit rating agencies in financial market stability
• Comparative study of digital-only banks and traditional banks
• Non-performing loans and economic recession patterns
• Behavioural finance and retail investor decisions
• The rise of centralised vs decentralised finance platforms
• Impact of Brexit on banking regulations in Europe
• Financial inclusion through mobile banking in rural areas
• Challenges in assessing credit risk in gig economy workers
• Stress testing models in banking risk management
• Evolution of shadow banking in modern finance
• Cryptocurrency taxation frameworks across jurisdictions
• Relationship between foreign exchange volatility and trade
• Government bond yields and fiscal policy credibility
• Profitability of ethical investment portfolios
• Determinants of interest margin in commercial banks
• Impact of automation on back-office operations in banking
• Adoption of AI for fraud detection in financial institutions
• Role of behavioural biases in stock market bubbles
• Digital identity verification in online banking security
• Analysis of sovereign credit default swaps post-2008
• Comparative performance of Islamic and conventional banks

• Capital adequacy and financial soundness in African banks
• Cross-border investment regulations and capital flow impact
• Mobile banking adoption among Gen Z consumers
• Real estate finance risks during economic downturns
• Ethical concerns in algorithmic trading systems
• Evaluation of peer-to-peer lending default rates
• Volatility spillovers in global financial markets
• Role of fintech in financial inclusion in Southeast Asia
• Determinants of dividend policy in UK-listed banks
• Interest rate risk management in commercial banking
• Financial crime compliance challenges in investment banking
• Inflation hedging strategies used by institutional investors
• Climate finance and sustainable bank portfolios
• Monetary policy transmission through lending rates
• Impact of credit scoring models on mortgage approval
• Global banking regulation: Basel norms and implementation
• Role of gold as a safe-haven asset during crises
• Emerging risks in open banking platforms
• Digital wallets vs traditional payment systems: a comparison
• Role of foreign direct investment in financial market depth
• Fiscal discipline and sovereign debt sustainability
• Deposit insurance and customer confidence in banking
• Use of sentiment analysis in stock price prediction
• Risk-return trade-offs in alternative investments
• Adoption of green bonds in public infrastructure projects
• Cross-border tax planning in multinational financial firms
• Corporate governance and risk exposure in banks
• Payment system innovations and transaction efficiency
• Consumer trust in neo-banking platforms
• Banking union developments in the European Union
• Fintech partnerships and innovation in banking
• Ethical banking and customer loyalty behaviour
• Evaluating sovereign wealth fund performance metrics
• Short-termism in financial markets: a critical review
• Use of AI chatbots in improving customer banking services
• Effectiveness of macroprudential tools in financial stability
• Analysis of bitcoin halving events and market behaviour
• Risks of cyberattacks on payment infrastructure
• Evolution of mobile payment systems in Africa
• Impact of Basel IV on capital requirement calculation
• Changing patterns in household savings post-COVID
• Financial derivatives and systemic risk propagation
• Central bank communication and bond market response
• Financial risk disclosure and transparency regulations
• Role of institutional investors in market correction events
• Effect of fintech sandboxes on innovation regulation
• Evaluating ethical investment fund marketing claims
• Pricing efficiency in the European carbon credit market
• Corporate bond market development in emerging economies
• Challenges in measuring ESG risk exposure
• Stability of hybrid financial instruments in volatile markets
• Technology adoption in rural banking models
• Public perception of cryptocurrencies in inflationary economies
• Impact of pension fund regulation on equity allocation
• Digital KYC procedures and onboarding efficiency
• Dividend smoothing behaviour in financial institutions
• Sovereign debt default modelling in frontier markets
• Evaluating bank performance through CAMELS rating system
• Gender disparity in SME loan approvals
• Contagion risk analysis in global banking systems
• Hedging strategies in commodities-backed finance
• Shadow banking regulation effectiveness in Asia
• Exchange-traded funds and investor herding behaviour
• Relevance of credit default swaps in modern portfolios
• Role of ethics in financial decision-making in banking
• Mortgage-backed securities and housing market dynamics
• Cryptocurrency wallets and investor security risks
• AI credit scoring tools and financial discrimination risks
• Risks of leveraged ETFs in retail portfolios
• Predictive modelling for bankruptcy forecasting
• Investment strategies of high-frequency trading firms
• Blockchain-based supply chain finance models
• Transparency in financial audits for banking regulation
• Machine learning in credit risk assessment
• Social impact investing trends in UK banking
• Role of big data in retail banking insights
• Financial resilience of microfinance borrowers
• Cyber insurance for financial institutions
• Development of capital markets in low-income countries
• Retail central bank digital currency usability challenges
• Impact of loan restructuring policies on default rates
• Role of accounting standards in financial reporting quality
• Fintech regulation sandbox effectiveness in the UK
• Mobile banking literacy and adoption in elderly users
• Real-time payment systems and financial crime risk
• Sovereign credit rating impacts on foreign capital flows
• Non-bank financial institutions and credit market deepening
• Impact of taxation policy on investment behaviour
• Cryptocurrency use in international remittances
• Role of national development banks in crisis recovery
• Machine learning and stock volatility prediction
• Global liquidity trends and capital adequacy buffers
• Green financing instruments in SME lending
• Comparative performance of value vs growth investing
• Digital remittances and migrant financial inclusion
• Portfolio diversification during stagflationary periods
• Government interventions in banking crises
• Open banking APIs and consumer data protection
• Banking sector competition and interest rate spreads
• Trade finance risks in international banking
• Banking sector resilience under monetary tightening
• Financial stress testing and economic scenario planning
• Digital onboarding fraud risks and mitigation strategies
• Role of interest-free loans in financial inclusion
• Algorithmic risk pricing in insurance-based products
• Insider trading laws and market integrity
• Monetary unions and fiscal coordination failures
• Tokenisation of real-world assets in finance
• Cryptocurrency mining and global energy markets
• Ethics of robo-advisory platforms in investment decisions
• Deposit inflow patterns in crisis periods
• Impact of currency swap agreements in global liquidity
• Forecasting inflation using alternative datasets
• Decentralised lending protocols and default rates
• Economic implications of yield curve inversion
• Financial contagion through cross-listed stocks
• Public banking and access to affordable credit
• Machine learning in AML (Anti-Money Laundering) detection
• The future of cash in digital economies
• Role of sovereign green bonds in climate policy
• Long-term effects of ultra-low interest rates
• Policy frameworks for stablecoin regulation
• Cross-country study of banking supervision models
• Market depth and pricing efficiency in derivatives
• AI bias in lending decisions: legal and ethical concerns
• Reputational risks in ESG investment greenwashing
• Investor behaviour during geopolitical conflicts
• RegTech adoption in compliance reporting
• Fintech-driven consumer lending: risk and opportunity
• Role of tokenised assets in modern investment portfolios
• Post-pandemic shifts in personal saving and spending behaviour
• Financial innovation and its impact on systemic risk
• Impact of digital micro-lending platforms on consumer credit
• Analysis of investor sentiment using social media metrics
• Central bank digital currencies and privacy concerns
• Effectiveness of whistleblower policies in financial institutions
• Fintech adoption barriers in developing economies
• Green banking strategies and their impact on brand perception
• Sovereign bond market integration in the Eurozone
• Machine learning for credit fraud detection: opportunities and limitations
• Role of behavioural economics in retirement savings decisions
• The viability of universal basic income through banking infrastructure
• Regulation of Buy Now Pay Later (BNPL) services
• Interest rate caps and access to credit in emerging markets
• Predictive analytics in personal financial planning apps
• The influence of cultural dimensions on banking risk-taking
• Financial stability implications of digital asset trading platforms
• The role of central banks in climate change policy
• Reassessing traditional portfolio theories in a digital finance era

Final Words

Banking and finance offers a wide field of possibilities — but picking a topic that’s precise, researchable, and meaningful is what really sets your dissertation apart. Hopefully, the ideas above helped you get closer to a topic you feel confident about.

Once you’ve shortlisted a few, narrow them down with your advisor and shape your research into something that adds genuine value.