About us


The European Credit Research Institute (ECRI) is an independent, non‐profit research institute that develops its expertise from an interdisciplinary team and networks of academic cooperation partners. It was founded in 1999 by a consortium of European banking and financial institutions. ECRI’s operations and staff are managed by the CEPS (Centre for European Policy Studies).

ECRI Statute  About CEPS

Understanding credit and payments markets for Europe

ECRI provides in‐depth analysis and insight into the structure, evolution and regulation of consumer financial services markets in Europe, focusing on credit and payments. Through its research activities, publications and conferences, ECRI keeps its members and the wider public up‐to‐date on a variety of topics in the area of retail financial services at the European level, such as consumer credit and housing loans, payment services, instant payments, data exchange, credit reporting, responsible lending and consumer protection.

Board of Directors

  • Flora Coleman, Global Director of Policy and Government Relations, Klarna
  • Marie Gillouard, Head of Public Affairs, Crédit Agricole Consumer Finance 
  • Jean-Bernard Huchard, Responsable Juridique, Cofidis
  • Craig Ramsey, Head of Real-Time Payments, Product Management, ACI Worldwide
  • Ole Schröder, Member of the Executive Board, Schufa Holding AG
  • Pedro Ribeiro Simoes, Senior Policy Lead, Visa
  • Mafalda Moz Teixeira, Head of Government Affairs, SIBS

Scientific Council

  • Raffaella Calabrese, Professor of Data science in the University of Edinburgh
  • Maria Lissowska, Professor in the Warsaw School of Economics


ECRI funding comes from a variety of sources, including corporate and institutional membership fees, externally commissioned research, conference fees and publications sales.