Portrait of Tim Hogg

Tim Hogg : Senior Consultant

I was extremely impressed by Oxera’s use of behavioural economics to gather new insights into consumer behaviour. The research has made a significant impact with stakeholders in Government, the Regulator and in Parliament. Tim and the team were a real pleasure to work with too.

Prakash Chandramohan, Strategy Director, TISA

Tim leads the Behavioural Economics practice at Oxera. Since joining Oxera in 2016, his work has focused on financial services and behavioural economics across sectors. He won the International Institute of Communications 2018 Future Leaders Competition. Tim has testified to the European Commission in an antitrust context.

Tim has advised a number of retail providers on conduct and regulatory risks arising from their business models, product design, pricing, fair value, processes and outcomes, and the design of customer communications. He focuses on quantifying consumer outcomes and gaining behavioural insights into customer behaviour. Tim regularly delivers training on behavioural economics as part of Oxera and UK Finance courses, as bespoke training for clients such as the UK FCA, and for marketing professionals. He has published articles on the intersection of behavioural science and regulation, and has run a number of behavioural experiments.

Tim speaks English.

Tel: +44 (0) 20 7776 6648

Tim's specialisms include:

professional experience

  • Designed and delivered the UK Finance training programme on Preparing for the Consumer Duty, and subsequent delivery for providers (2022–)

  • Advised a UK policymaker on the Consumer Duty (2022)

  • Advising TISA (The Investing and Saving Alliance) on Stocks and Shares ISAs, using behavioural data science (2022–)

  • Conducted annual product reviews and fair value assessments for an insurer (2022)

  • Advised EIOPA (the European Insurance and Occupational Pensions Authority) on its Thematic Review into credit protection insurance products, using behavioural economics (2020–22)

  • Assessed the fair value of insurance products and premium finance products for an insurer (2022)


  • Hogg, T. and Mills, E. (2022), ‘Reference-Dependent Behaviour in Transport Appraisal’, European Transport Conference 2022, Association for European Transport.

  • Hogg, T., Fields, L. and Firullo, C. (2022), ‘Applying Behavioural Economics to Firms’, in A. Samson (ed.), The Behavioural Economics Guide 2022, pp. 89–97.

  • Hogg, T. (2020), ‘Framing Fairness’, InterMedia, 48:1, pp. 29–31, International Institute of Communications, April.

  • Hogg, T. (2019), ‘Get the whole picture’, InterMedia, 46:4, pp. 30–35, International Institute of Communications, April, based on 2018 Future Leaders Competition award-winning article.

  • Hogg, T. (2018), ‘Zero-rating behaviour’, InterMedia, 46:1, pp. 34–36, International Institute of Communications, April.

  • Hogg, T. (2017), ‘Making the right moves: How behavioural economics can help consumers’, InterMedia, 45:1, pp. 18–22, International Institute of Communications, April.


  • MSc Behavioural Economics, University of Nottingham, UK

  • BSc Economics, University of Nottingham, UK

Latest Insights:  Tim Hogg

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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…
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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…
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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…
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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…

Implementing the Consumer Duty

Due to high demand, Oxera and UK Finance are running this workshop again. The feedback from previous participants included: ‘[This is the] first truly practical application of what the Consumer Duty means’, and ‘Will help enormously with our implementation!’. In collaboration with UK Finance we’re running an interactive workshop to… Read More

Image depicting Implementing the Consumer Duty

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