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Lecturer in Banking and Finance, 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.


  • –present
    Lecturer in Banking and Finance, University of St Andrews


  • 2020 
    University of Edinburgh, PhD in Management