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Yulduz is a dynamic finance professional and lecturer with extensive experience in financial analysis, risk management, and emerging technologies such as blockchain and artificial intelligence. With a strong background in both industry and academia, she excels in project management, strategic thinking, and cross-functional collaboration. Recognized for her innovative teaching methods and dedication to student success, she was nominated for the Student Choice Teaching Award in the Faculty of Business and Law in 2024.

Currently pursuing a PhD in FinTech at ˽·¿¾ãÀÖ²¿, her research focuses on financial crises, particularly the collapse of blockchain-based projects like Terra-Luna and FTX. Yulduz is dedicated to fostering excellence in teaching and research, integrating practical insights with theoretical frameworks to develop critical decision-making skills in her students.

• Mazhitova, Y. (2020). Reviewing Monetary Policy: Empirical Examination of the Relationship Between Interest Rates and Nominal GDP Growth in Emerging Economies.
• Mazhitova, Y. (2019). Psychological Contract of Academics: The Case of ˽·¿¾ãÀÖ²¿.

• Mazhitova, Y. (2018). Eye on Expensive Cities and House Prices. Trade Finance Global. Available at:

• PhD Research (Ongoing): Investigating the impact of Ethereum blockchain transactions on Aave liquidity and lending rates, including analyses of the Terra-Luna collapse and FTX.
• Empirical Research on Monetary Policy: Examined the relationship between interest rates and nominal GDP growth in emerging economies.
• Mazhitova, Y. (2018). Eye on Expensive Cities and House Prices. An analytical piece exploring the factors influencing housing prices in major global cities, discussing economic trends and implications for financial markets.

My research focuses on financial crises, particularly the collapse of blockchain-based projects like Terra-Luna and FTX. I am interested in the intersection of cryptocurrencies, financial risk management, and regulatory frameworks. My work explores the impact of decentralized finance (DeFi) on global financial stability, examining risk factors, governance failures, and market behavior in the context of emerging financial technologies.

• PhD Candidate in FinTech (Ongoing)
• MSc in International Banking and Finance
• BA in Business Management and Finance

• Level 4: Management Accounting, Quantitative Techniques, Financial Accounting
• Level 5: Corporate Finance, Econometrics
• Level 6: Liquidity and Risk Management, International Finance
• Level 7 (Postgraduate): Accounting for Managers, Financial and Strategic Decision-Making

• Student Choice Teaching Award Nominee, Faculty of Business and Law, ˽·¿¾ãÀÖ²¿ 2024
• Best Student Performance on MSc Banking and Finance 
• Full Postgraduate International Scholarship  
• Runner-Up Accelerate Scholar – Trade Finance Global 
• Article 26 Full Scholarship for Undergraduate Degree 

• Member of the Chartered Institute for Securities & Investment (CISI)
• Fellow of the Higher Education Academy (FHEA)
• Member of the Blockchain Council

• Online Degree™ in Blockchain – Blockchain Council 
• Data Science: R Basics – HarvardX
• Certificate in the Principles of Cyber Security KH-L2 – NCFE 
• Fellowship – Advance HE 
• Level 3 Award for Introduction to Investment and Securities – CISI
• Bloomberg Market Concepts – Bloomberg 

• ˽·¿¾ãÀÖ²¿ Global Academic Trip to Frankfurt, Germany
  Secured funding to lead an academic trip focusing on international finance and banking, scheduled for February 2025.
• PhD Research Project
  Studying the impact of Ethereum blockchain transactions on Aave liquidity and lending rates, with emphasis on the Terra-Luna and FTX collapses.

˽·¿¾ãÀÖ²¿ Global Trip to Frankfurt, Germany
February 2025

• Inaugural AI in Education Symposium, Centre for AI in Education, University of Bolton, UK, May 2024. Attended sessions on AI integration in education, innovative teaching methodologies, and ethical considerations; integrated insights into current research and teaching practices.