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POCHER Nadia

University of Luxembourg > Interdisciplinary Centre for Security, Reliability and Trust (SNT) > FINATRAX

ORCID
0000-0003-1472-2963
Main Referenced Co-authors
FRANK, Muriel-Larissa  (5)
Veneris, Andreas (5)
Zichichi, Mirko (4)
FRIDGEN, Gilbert  (3)
THARWAT, Ayah  (3)
Main Referenced Keywords
blockchain (6); AML/CFT (3); CBDC (3); compliance by design (3); cryptocurrency (3);
Main Referenced Unit & Research Centers
Interdisciplinary Centre for Security, Reliability and Trust (SnT) > FINATRAX - Digital Financial Services and Cross-organizational Digital Transformations (13)
NCER-FT - FinTech National Centre of Excellence in Research (11)
Interdisciplinary Centre for Security, Reliability and Trust (SnT) > SerVal - Security, Reasoning & Validation (1)
Main Referenced Disciplines
Law, criminology & political science: Multidisciplinary, general & others (13)
Engineering, computing & technology: Multidisciplinary, general & others (11)
Computer science (10)
Management information systems (9)
Business & economic sciences: Multidisciplinary, general & others (1)

Publications (total 26)

The most downloaded
3676 downloads
POCHER, N. (2023). Distributed Ledger Technologies between Anonymity and Transparency: AML/CFT Regulation of Cryptocurrency Ecosystems in the EU [Doctoral thesis, Universitat Autònoma de Barcelona]. ORBilu-University of Luxembourg. https://orbilu.uni.lu/handle/10993/55573 https://hdl.handle.net/10993/55573

The most cited

98 citations (OpenAlex)

POCHER, N., Zichichi, M., Merizzi, F., Shafiq, M. Z., & Ferretti, S. (26 July 2023). Detecting Anomalous Cryptocurrency Transactions: an AML/CFT Application of Machine Learning-based Forensics. Electronic Markets, 33 (37). doi:10.1007/s12525-023-00654-3 https://hdl.handle.net/10993/55578

THARWAT, A., Asyali, A. N., FRANK, M.-L., Jaeger, L., & POCHER, N. (2026). The ‘I’ In Security: How Security Role Identity Shapes Extra-Role Security Behaviors. In Proceedings of the 34th European Conference on Information Systems. AIS Electronic Library.
Peer reviewed

BRENNECKE, M., POCHER, N., & FRANK, M.-L. (2026). Examining Privacy Tensions in Retail Central Bank Digital Currencies. In Proceedings of the 34th European Conference on Information Systems (pp. 1-17). AIS Electronic Library.
Peer reviewed

FRANKART, F., SIMONETTO, T. J. A., CORDY, M., PAPAGEORGIOU, O., POCHER, N., & FRIDGEN, G. (2026). The Feature-Space Illusion: Exposing Practical Vulnerabilities in Blockchain GNN Fraud Detection. In Proceedings of 4th IEEE Conference on Secure and Trustworthy Machine Learning. Institute of Electrical and Electronics Engineers (IEEE).
Peer reviewed

FRANK, M.-L.* , POCHER, N.* , & THARWAT, A.*. (2026). The Influence of Institutional Trust on the Adoption of the Digital Euro. In Proceedings of 59th Hawaii International Conference on System Sciences (HICSS) (pp. 2206-2215). ScholarSpace. doi:10.24251/HICSS.2026.266
Peer reviewed
* These authors have contributed equally to this work.

POCHER, N. (2025). Traceability of crypto-asset transfers under the new EU AML/CFT regime: the crypto travel rule between challenges and open issues. In Joseph Lee & Aline Darbellay, A Research Agenda for Financial Law and Regulation. Edward Elgar. doi:10.4337/9781803929996.00017
Editorial reviewed

FRANK, M.-L.* , BRENNECKE, M., HÖLZMER, P., POCHER, N., & FRIDGEN, G. (2025). Potential of AI for User-Centric Cybersecurity in the Financial Sector. In Proceedings of the 58th Annual Hawaii International Conference on System Sciences 2025. ScholarSpace. doi:10.24251/HICSS.2025.543
Peer reviewed

POCHER, N. (2025). Crypto-Asset Ecosystems and the EU Anti-Money Laundering Framework. Law and Technology Perspectives. Springer Nature Switzerland. doi:10.1007/978-3-031-94698-1
Editorial reviewed

FRANK, M.-L., THARWAT, A., & POCHER, N. (2025). Far Enough to Share: Impact of Psychological Distance on GenAI Disclosure. In Proceedings of the 31st Americas Conference on Information Systems (AMCIS). AIS.
Peer reviewed

Michalopoulos, P., Olowookere, O., POCHER, N., Sedlmeir, J., Veneris, A., & Puri, P. (2025). Privacy and Compliance Design Options in Offline Central Bank Digital Currencies. IEEE Transactions on Network and Service Management, 22 (5), 3748-3763. doi:10.1109/TNSM.2025.3575367
Peer Reviewed verified by ORBi

POCHER, N., & SCHÖNRICH-SEDLMEIR, J. (2024). Decentralization Beyond Disintermediation: The Case of Central Bank Digital Currencies. In Decentralization Technologies. Financial Sector in Change. Springer Nature Switzerland. doi:10.1007/978-3-031-66047-4_12
Editorial reviewed

BARBEREAU, T. J., WEIGL, L., & POCHER, N. (2024). Financial Regulation, Political Context, and Technology in the European Union. In Decentralization Technologies. Financial Sector in Change. Springer Nature Switzerland. doi:10.1007/978-3-031-66047-4_2
Editorial reviewed

HÖß, A., POCHER, N., Roth, T., & FRIDGEN, G. (2024). Towards a Design Science Research Process for Legal Compliance by Design. In Proceedings of Pacific-Asia Conference on Information Systems 2024. Association for Information Systems (AIS).
Peer reviewed

Michalopoulos, P., Olowookere, O., POCHER, N., SCHÖNRICH-SEDLMEIR, J., Veneris, A., & Puri, P. (2024). Compliance Design Options for Offline CBDCs: Balancing Privacy and AML/CFT. In IEEE International Conference on Blockchain and Cryptocurrency (ICBC) 2024 Proceedings. IEEE. doi:10.2139/ssrn.4770513
Peer reviewed

POCHER, N., Zichichi, M., & Ferretti, S. (2023). AML/CFT/CPF endeavors in the crypto space: from blockchain analytics to machine learning. In Proceedings of Artificial Intelligence Governance Ethics and Law (AIGEL). CEUR Workshop Proceedings.
Peer reviewed

POCHER, N., Zichichi, M., Merizzi, F., Shafiq, M. Z., & Ferretti, S. (26 July 2023). Detecting Anomalous Cryptocurrency Transactions: an AML/CFT Application of Machine Learning-based Forensics. Electronic Markets, 33 (37). doi:10.1007/s12525-023-00654-3
Peer Reviewed verified by ORBi

POCHER, N. (2023). Distributed Ledger Technologies between Anonymity and Transparency: AML/CFT Regulation of Cryptocurrency Ecosystems in the EU [Doctoral thesis, Universitat Autònoma de Barcelona]. ORBilu-University of Luxembourg. https://orbilu.uni.lu/handle/10993/55573

POCHER, N., & Veneris, A. (2022). Central Bank Digital Currencies. In Handbook on Blockchain. Cham, Unknown/unspecified: Springer Nature. doi:10.1007/978-3-031-07535-3
Peer reviewed

Fanti, G., & POCHER, N. (2022). Privacy in Cross-border Digital Currency. A Transatlantic Approach. Frankfurt Forum on US-European GeoEconomics, 1--25.
Peer reviewed

POCHER, N., & Veneris, A. (June 2022). Privacy and Transparency in CBDCs: A Regulation-by-Design AML/CFT Scheme. IEEE Transactions on Network and Service Management, 19 (2), 1776--1788. doi:10.1109/TNSM.2021.3136984
Peer Reviewed verified by ORBi

POCHER, N., & Zichichi, M. (2022). Towards CBDC-based Machine-to-Machine Payments in Consumer IoT. In Proceedings of the 37th ACM/SIGAPP Symposium on Applied Computing (SAC '22) (pp. 1--8). New York, New York, Unknown/unspecified: Association for Computing Machinery (ACM). doi:10.1145/3477314.3507078
Peer reviewed

POCHER, N. (2021). Crypto-wallets and the new EU AML package: where are the battle lines drawn? ORBilu-University of Luxembourg. https://orbilu.uni.lu/handle/10993/55575.

POCHER, N., & Veneris, A. (2021). Privacy and Transparency in CBDCs: A Regulation-by-Design AML/CFT Scheme. In Proceedings of the 2021 IEEE International Conference on Blockchain and Cryptocurrency (ICBC). doi:10.1109/ICBC51069.2021.9461090
Peer reviewed

POCHER, N. (2021). Self-hosted wallets: the elephant in the crypto room? ORBilu-University of Luxembourg. https://orbilu.uni.lu/handle/10993/55574.

Distefano, B., POCHER, N., & Zichichi, M. (2020). MOATcoin: Exploring Challenges and Legal Implications of Smart Contracts Through a Gamelike DApp Experiment. In CryBlock '20: Proceedings of the 3rd Workshop on Cryptocurrencies and Blockchains for Distributed Systems (pp. 53--58). New York, Unknown/unspecified: ACM Association for Computing Machinery. doi:10.1145/3410699.3413798
Peer reviewed

POCHER, N. (2020). The Open Legal Challenges of Pursuing AML/CFT Accountability within Privacy-Enhanced IoM Ecosystems. In Proceedings of the 3rd Distributed Ledger Technology Workshop (pp. 1--15). Aachen, Unknown/unspecified: RWTH Aachen University.
Peer reviewed

POCHER, N. (2020). The Internet of Money between Anonymity and Publicity: Legal Challenges of Distributed Ledger Technologies in the Crypto Financial Landscape. In DC JURIX 2019. Proceedings of the Seventh JURIX 2019 Doctoral Consortium (pp. 1--15). Aachen, Unknown/unspecified: Sun SITE Central Europe.
Peer reviewed

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