Portrait of Georgia Davies

Georgia Davies : Senior Consultant

Georgia is a member of Oxera’s Regulation & Market Design and Financial Services teams, where she uses economic and analytical tools to provide solutions to a range of client issues.

Providing advice across a wide range of sectors, Georgia has particular expertise working in the fields of payments services, commercial strategy and public policy, estimating the economic impact of policies and regulation under a variety of scenarios. Her experience includes leading projects spanning from impact assessments to regulatory review cases. She has previously contributed to expert reports in support of litigation cases and has carried out profitability assessments.

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

9 minute read
The growth of online sales has prompted debate around whether an online sales tax (OST) should be introduced to ‘rebalance’ the taxation of the retail sector. Indeed, the evolution of…
9 minute read
In many countries, the five-day working week is an institution so culturally ingrained that we rarely, if ever, pause to ask the question: is there a better way of doing…
7 minute read
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…
8 minute read
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,…

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