10th Annual SIPA/BPI Research Conference
The tenth annual Conference on Bank Regulation, co-hosted by the Bank Policy Institute and Columbia University School of International and Public Affairs, took place on February 20th, 2026. Each year, the conference brings together academics, regulators, and practitioners to discuss the latest research on banking and bank regulation. The overarching themes of this year’s conference were (1) innovation and automation in banking, (2) banking supervision, and (3) digitalization and banking. The conference concluded with a panel discussion focused on the outlook for digital innovation in banking, and what experts believe comes next. Find a more detailed summary of the conference:
Paper Session 1: Innovation and Automation in Banking
Automated Credit Limit Increases and Consumer Welfare
Patrick Moran, Federal Reserve Board | Slides (PDF)
Outsourcing and Competition in the Banking Sector: The Rise of Cloud Service Providers
Alvaro Contreras, Boston University
Session Discussants
- Nicola Pierri, IMF
- Marc Saidenberg, Ernest and Young
- Moderator: Dan Grodzicki, BPI
Paper Session 2: Supervision
Supervising Failing Banks
Stephan Luck, Federal Reserve Bank of New York | Slides (PDF)
Bank Supervision as Information Production: Evidence from U.S. Bank Holding Companies
Mehdi Beyhaghi, Federal Reserve Board | Slides (PDF)
Session Discussants:
- Rimmy Tomy, University of Chicago | Slides (PDF)
- Sarah Dahlgren, McKinsey | Slides (PDF)
- Moderator: Sigridur Benediktsdottir, Columbia SIPA
Conversation with Lorie K. Logan, President and CEO, Federal Reserve Bank of Dallas
- Lorie K. Logan, President and CEO, Federal Reserve Bank of Dallas
- Moderator: Patricia Mosser, Columbia University
Paper Session 3: Digitalization and Banking
Blocking the Credit Chain: Cryptocurrencies, Deposits and Bank Loan Growth
Stephen Karolyi, George Mason University | Slides (PDF)
Digital Payments and Monetary Policy Transmission
Sergey Sarkisyan, Ohio State University | Slides (PDF)
Session Discussants:
- Marco Macchiavelli, University of Massachusetts | Slides (PDF)
- Peter Serene, Curinos
- Moderator: Kathryn Judge, Columbia Law School
Panel Discussion: Digital Innovation and Banking, What happens next?
- Biswarup Chatterjee, Citigroup
- Dante Disparte, Circle
- Julapa Jagtiani, Federal Reserve Bank of Philadelphia
- Yawar Shah, Columbia SIPA
- Moderator: Bill Nelson, BPI
Selected Images From The Event
