I regularly collaborate with / am commissioned by firms, regulators and think tanks to produce reports, analyses and opinion pieces on a range of issues relating to consumer finance.
I have also served as an expert witness and have provided expert opinions for legal and judicial processes.
View and opinions expressed in the writing below do not necessarily reflect those of the University of Nottingham, the collaborating or commissioning organisations, or any other parties.
Recent Reports and Analyses for the UK Financial Conduct Authority / Payment Systems Regulator
Using behavioural economics to understand and prevent authorised push payments fraud, Payments System Regulator, October 2025
Playing the market: a behavioural data analysis of digital engagement practices and investment outcomes (with C. Gilchrist, M. D. Griffiths, L. Hayes, E. Morris, S. O'Neill, J.D. Sheth and N. Stewart.) Financial Conduct Authority Occasional Paper 66, 2025
Digital Engagement Practices: A Trading Apps Experiment (with C. Gilchrist, L. Hayes, D. Karapetyan, S. O'Neill and N. Stewart) Financial Conduct Authority Research Note, 2024
Can We Predict Which Consumer Credit Users Will Suffer Financial Distress? (with B. Guttman-Kenney), Financial Conduct Authority Occasional Paper 20, 2016
Proposals for a Price Cap on High-Cost Short Term Credit Financial Conduct Authority Consultation Paper, CP 14/10, 2014
In addition to the above, I have advised the FCA on Consumer Financial Distress (2016), the Rent-to-Own Market (2019), Financial Services Innovation (2020), Debt and Individual Wellbeing (2020), and Buy Now Pay Later (2023)
Other Recent Reports and Analyses
Understanding the Regional Impact of Covid-19 Through Tracking the Economy in Social Sciences in the Region, for the Region: the Midlands, Campaign for Social Science, Academy of Social Sciences, September 2025
The Diversification Dividend: How Geography Shapes Buy-to-Let Portfolio Performance (with A. Beveridge, D. Fell, C. Firth and N. Stewart), Hamptons International, July 2025
How Does Pension Automatic Enrolment Affect Savings? Nest, August 2024. Kindly funded by the Nuffield Foundation.
The Missing Synergy: Aligning Our World Class Academic R&D With Our Leading Digital Financial Services Industry, KPMG, August 2024
How Do Risk Warnings Impact Investment Choice? TISA, March 2024
Using Behavioural Insights and Experimentation to Prevent APP Fraud, Open Banking, 2022
Consumer Behaviour in the UK Credit Card Market, Response to the Financial Conduct Authority Credit Card Market Study, 2016
Proposal for a Standard Financial Statement, Report to the Money Advice Service, September 2013
Demand, Capacity and Need for Debt Advice in the UK, Money Advice Trust / Her Majesty’s Treasury, March 2011
Understanding Consumer Indebtedness Using Counselling Sector Data, Report to the Department for Business, Enterprise and Regulatory Reform, December 2009
Drivers of Over-Indebtedness (with R. Disney and S. Bridges), Report to the Department for Business, Enterprise and Regulatory Reform, October 2008
Opinion Pieces for the Economics Observatory
Can reforms of financial regulation encourage economics growth?
How can carbon tagging digital payments help to tackle climate change?
Will the Edinburgh Reforms help boost UK consumer spending?
Where are the UK's levelling up funds most needed?
Might coronavirus bring a lasting shift to online spending?
How can authorities control coronavirus without killing the economy?
How uneven is the recovery in consumer spending across UK regions?
Blog Pieces
LSE blog on mapping local economic effects of Covid
Chicago Booth Review feature on my real time data project
Using real time, geographically granular economic data to evaluate local economic inequality: Levelling Up Live
Gender pay inequality among professors in UK academia in the RES newsletter, joint with Monica Costa-Dias and Rachel Griffith
Gender pay inequality among professors in UK academia, for the Royal Economic Society