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Marcel Lukas

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Senior Lecturer in Banking and Finance and Director of Executive Education, University of St Andrews

My main area of research is Consumer Financial Decision Making and the influence of Financial Technology. My main projects at the moment focus on the influence of budgeting apps on spending and general financial behaviour. I currently collaborate with two FinTech companies which helps me to provide real-time insights into consumer financial decision making. Related research informed the UK Parliament and was covered by major news outlets such as the Times. My work on budgeting, published in the Journal of Consumer Research, was covered by the Financial Times and the BBC. Together with colleagues from Texas A&M, Chicago Booth and UBC, we discuss our individuals can reduce their expense prediction bias in the Journal of Marketing Research. Additional publications include an analysis of income inequality in Nature Human Behaviour, a rapid insight into consumer spending published by VoxEU and Covid Economics as well as an industry report about spending for the Standard Life Foundation.

Experience

  • 2023–present
    Senior lecturer, University of St Andrews
  • 2024–present
    Director of Executive Education, University of St Andrews
  • 2020–2023
    Lecturer, University of St Andrews
  • 2018–2020
    Lecturer, Heriot-Watt University

Education

  • 2020 
    University of Edinburgh, PhD in Management

Publications

  • 2023
    Understanding and Neutralizing the Expense Prediction Bias: The Role of Accessibility, Typicality, and Skewness, Journal of Marketing Research
  • 2023
    The Influence of Budgets on Consumer Spending, Journal of Consumer Research
  • 2022
    Investment transparency and the disposition effect, European Financial Management
  • 2020
    Higher economic inequality intensifies the financial hardship of people living in poverty by fraying the community buffer, Nature human behaviour
  • 2020
    Consumer spending responses to the Covid-19 pandemic: An assessment of Great Britain, Covid Economics

Grants and Contracts

  • 2023
    Innovation Fellowships
    Role:
    Principal Investigator
    Funding Source:
    British Academy
  • 2022
    Knowledge Transfer Partnership
    Role:
    Principal Investigator
    Funding Source:
    UKRI