M. Konrad Borowicz
Assistant Professor of Financial Regulation
Tilburg Institute for Law, Technology and Society
Research Coordinator
Tilburg Law and Economics Center
I am a US-qualified finance and technology lawyer whose research centers on the design of financial regulation in the post-2008 landscape. My work examines how legal and institutional choices shape the stability, performance, and competitive structure of core market infrastructures—particularly credit intermediation and payment systems—under conditions of cyclical stress, rapid technological change, and geopolitical uncertainty.
A central dimension of this research is the governance of data. Financial markets increasingly operate through data-intensive architectures in which information flows, data aggregation, and algorithmic decision-making influence access to credit, payment functionality, pricing, and market entry. I study how legal frameworks allocate control over financial and transactional data, how data concentration interacts with network effects and economies of scale, and how interoperability, portability, and access rules affect competition and systemic resilience.
Across these domains, a recurring theme is the interaction between public regulation and private forms of governance—industry standards, platform rulebooks, technical protocols, and contractual infrastructures—and how these layered arrangements can either amplify or dampen risk over time. I analyze how legal categories drawn from contract, property, corporate, insolvency, competition, and administrative law structure these systems, often from comparative and transnational perspectives.
My work is international in scope. I teach and speak globally and regularly contribute to public and professional debates, and professional publications. I have held visting positions at FGV Sao Paulo, Hong Kong University, Nova University of Lisbon and Singapore Management University.
I hold a J.S.D. from Columbia Law School, a Ph.D. in Law from the European University Institute, and an LLM from Duke Law School. I obtained my first law degree from Adam Mickiewicz University in Poznan, my hometown.
Before coming to academia, I was a finance lawyer at Ropes & Gray in London, where my practice focused on leveraged finance, high-yield bonds and restructurings in the technology sector.