Depiction of Agenda

Articles
10 minute read
Depiction of The European growth problem and what to do about it

The European growth problem and what to do about it

European growth is insufficient to improve lives in the ways that citizens would like. We use the UK as a case study to assess the scale of the growth problem, underlying causes, official responses and what else might be done to improve the situation. We suggest that capital market… Read More

Articles
7 minute read
Depiction of Cost–benefit analyses for public policy

Cost–benefit analyses for public policy

Cost–benefit analyses (CBA) are commonly applied to public infrastructure projects where there is a degree of certainty about the physical output of the project and the consequent societal benefits. CBA can also be applied to proposed policy and regulatory changes, but there is less clarity about the outcomes and the… Read More

< 1 minute read
Depiction of Deceptive patterns: how can we make choices fairer online?

Deceptive patterns: how can we make choices fairer online?

Online, every click and swipe is subtly influenced by how choices are presented to you. In a world where what we watch, listen to, read, and buy is the result of responding to the choices presented to us on a screen, this choice architecture is hugely important. We may not… Read More

Articles
5 minute read
Depiction of Consumer Duty board reports: are firms prepared for the July 2024 deadline?

Consumer Duty board reports: are firms prepared for the July 2024 deadline?

The UK Financial Conduct Authority’s (FCA) Consumer Duty, a new outcomes-based regulation for financial services firms, has now been in force for over six months. July 2024 will see the deadline for the first annual Consumer Duty board reports. We share our reflections on the importance of these documents and… Read More

Articles
10 minute read
Depiction of Understanding and influencing behaviour: economics vs science

Understanding and influencing behaviour: economics vs science

Have you heard the terms behavioural science and behavioural economics floating around? Individuals, corporations and governments are turning to both in the quest to understand and change human behaviour—but does their application add value? And what is the difference between these two similarly named disciplines? With reference to our… Read More

Articles
9 minute read
Depiction of Who doesn’t invest and why? A behavioural data science perspective

Who doesn’t invest and why? A behavioural data science perspective

As we adjust to a high inflation environment, those who are fortunate enough to have savings are seeing their purchasing power erode by up to 10% per year. In the UK, one way to mitigate the effects of inflation is through investing in Stocks and Shares ISAs. But why… Read More

Articles
7 minute read
Depiction of Interminable: who can read T&Cs?

Interminable: who can read T&Cs?

Many products form a contract between a firm and a customer, the details of which are specified in the terms and conditions (T&Cs). But do customers always understand what they are agreeing to? With the help of a mathematical formula, we find that the reading age and time requirement of… Read More

Articles
1 minute read
Depiction of The Consumer Duty: don’t do more—do differently

The Consumer Duty: don’t do more—do differently

The UK Financial Conduct Authority (FCA) has finalised the rules, guidance, and implementation period for the new Consumer Duty. The FCA’s journey The Consumer Duty is the product of 15 years of evolution in the regulation of financial services. It’s not so much a change… Read More

Articles
8 minute read
Depiction of Like an economist at Wimbledon

Like an economist at Wimbledon

To what extent is future success affected by past success? This topical question has implications for many areas of society, including education. However, a new study suggests that the answer may come from an unexpected direction: tennis. We look at why tennis players who are matched against someone of… Read More

Articles
9 minute read
Depiction of Decarbon-nudge?

Decarbon-nudge?

Decarbonisation is one of the largest challenges facing societies across the world, and consumer behaviour has an important role to play in achieving this goal. Behavioural economics shows us that consumer behaviour can be influenced by ‘nudges’ and choice architecture. So what role can nudges play in helping us to decarbonise? Read More

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