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.
Reports and Analyses for the 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
In addition to the above, I have advised the FCA on the Payday Lending Price Cap (2014), 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 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
The Missing Synergy: Aligning Our World Class Academic R&D With Our Leading Digital Financial Services Industry, KPMG, August 2024
Opinion Pieces
How can carbon tagging digital payments help to tackle climate change? published by the Economics Observatory
Will the Edinburgh Reforms help boost UK consumer spending? published by the Economics Observatory
Where are the UK's levelling up funds most needed? published by the Economics Observatory
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