Portrait of Georgia Davies

Georgia Davies : Consultant

Georgia is a member of Oxera’s Financial Services, Competition and Regulation & Market Design teams, where she uses economic and analytical tools to provide solutions to a range of client issues. She has worked on projects spanning impact assessments, antitrust damages estimation and regulatory review cases. She has contributed to expert reports in support of litigation cases, as well as estimating the economic impact of policies and regulation in a range of sectors, including payments systems, insurance and financial services more broadly. Her experience extends to profitability assessments and applying quantitative techniques to support clients on a range of issues.

Before joining Oxera, Georgia graduated with a BSc in Economics and International Development from the University of Bath, UK. During her degree she completed a year-long industrial placement at Oxera, obtaining experience of applying economic and quantitative tools across a wide range of sectors.

Georgia speaks English.

Tel: +44 (0) 20 7776 6641

Georgia's specialisms include:

professional experience

  • Assessed the economic policy and regulatory issues associated with the gas market in a European jurisdiction (2020)

  • Assessed the impact of cyber insurance on the UK economy for the Association of British Insurers (ABI) (2019–20)

  • Analysis for the Government of Jersey in relation to its Future Economy programme and long-term vision for the island (2019−20)

  • Analysis for the Government of Jersey in relation to options being assessed as part of the Personal Tax Review project (2019)

  • Litigation support to National Grid in evaluating the damages resulting from a European cartel in the power cables market (2016–19)

  • Analysis assessing the impact of brand protection services on online counterfeit sellers (2018)


  • Agenda in focus, (2020), ‘Changing tides: how consumers and merchants are redefining the payment experience’, August.

  • Agenda in focus (2020), ‘Paying up: the new economics of payment systems’, June.

  • Agenda in focus (2020), ‘Retail payments: a changing European landscape’, March.


  • BSc (Hons) Economics and International Development, University of Bath, UK

Latest Insights:  Georgia Davies

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Retail payments bring together retailers and consumers, and the two-sided nature of this market means that the design of payment methods must reflect the needs of both sides. Today, the…
Retail payments play an important role in the functioning of modern society. They are currently going through a period of upheaval due to changes in technology, consumer behaviour and regulation,…