Jon Frost is a Senior Economist in the Innovation and the Digital Economy unit of the Bank for International Settlements (BIS). In this role, he conducts policy-oriented research on fintech and digital innovation. He has published research on fintech credit, big tech in finance, central bank digital currencies, capital flows, macroprudential policy and economic inequality. Previously, Jon worked at the Financial Stability Board (FSB), the Dutch central bank (DNB), VU University in Amsterdam and in the private sector in Germany. Jon is a US citizen. He holds a PhD in economics from the University of Groningen, an MA in economics from the University of Munich and a BA/BS from the University of Washington. He is a research affiliate of the Cambridge Centre for Alternative Finance at the University of Cambridge.