Tetyana Balyuk

Tetyana Balyuk is an Assistant Professor of Finance at the Goizueta Business School, Emory University. Her research focuses on FinTech, banking, household finance, and small business finance, with a particular emphasis on how financial technology reshapes access to credit for consumers and small businesses, and how households make financial decisions in an era of digital finance.

Prof. Balyuk's research has been published in leading academic journals including the Review of Financial Studies, Management Science, and the Journal of Financial and Quantitative Analysis. Her work has garnered over 1,000 citations and has received multiple awards, including the Most Significant Contribution to Banking Research Award at the Community Banking in the 21st Century Conference (2021), the Best Paper on FinTech Award at the Northern Finance Association Meeting (2016), and the Best Discussant Award at the GSU-RFS FinTech Conference (2022). Her paper "What is Fueling FinTech Lending? The Role of Banking Market Structure" was named an Editor's Choice article in the Review of Corporate Finance Studies (2026). This research has direct implications for regulators and policymakers concerned with the competitive dynamics between FinTech lenders and traditional community banks.

She earned her Ph.D. in Finance from the Rotman School of Management, University of Toronto.