My research interests lie at the intersection of applied behavioural economics and contemporary public policy concerns. In particular in household finance and financial decision making, using both microeconometric- and experimental methods. My research is generally concerned with cognitive biases and (sub)optimal financial choice, consumer irrationality, household consumption and wider applications to public policy.
Learning with Your Credit Card: Evidence from Consumer Responses to Penalty Fees (with John Gathergood, Hiroaki Sakaguchi & Neil Stewart). Submitted.
Relative rank and life satisfaction: evidence from US households (with Gordon Brown & John Gathergood). Submitted.
How Do Individuals Repay Their Debt? The Balance-Matching Heuristic (with John Gathergood, Neale Mahoney & Neil Stewart). American Economic Review, forthcoming. [download accepted version]
- Coverage in NBER Digest, February 2018 issue.
- Press coverage: The Washington Post; Bloomberg; The National; Quartz; Chicago Booth Review; CNBC; Wise Bread; NBC; The Western Australian; Kiplinger.
Financial Literacy: A Barrier to Home Ownership for the Young? (with J. Gathergood). Journal of Urban Economics, 99, 2017, pp. 62-78. [download accepted version]
Financial Literacy, Present Bias and Alternative Mortgage Products (with J.Gathergood). Journal of Banking & Finance, 78, 2017, pp. 58-83. [download accepted version]
Credit counseling: a substitute for consumer financial literacy? (with R. Disney & J. Gathergood). Journal of Pension Economics and Finance, 14(4), 2015, pp. 466-491. [download accepted version]
- Press coverage: Financial Times.
Self-Control, Financial Literacy & the Co-Holding Puzzle (with J. Gathergood). Journal of Economic Behavior & Organization, 107 (Part B), 2014, pp 455–469. [download accepted version]
Manuscripts in Preparation
A horse race between elicitation methods of Prospect Theory (with Orestis Kopsacheilis and Dennie van Dolder)
Assessing choice overload in a complex environment (with Chris Starmer & Robin Cubitt).
Simplicity seeking: Attitude to risk, not choice overload, predicts behaviour.
The certainty effect outside pairwise choice experiments (with Jonathan Schulz)