Portrait of Tim Hogg

Tim Hogg : Senior Consultant

Tim specialises in regulation and behavioural economics. Since joining Oxera in 2016, his work has focused on financial services and telecoms. He won the International Institute of Communications 2018 Future Leaders Competition. Tim has testified to the European Commission in an antitrust context. On the financial services side, Tim has advised a number of retail providers on conduct and regulatory risks arising from their business models, processes and outcomes, focusing on quantifying consumer outcomes and the fairness of pricing.

On the telecoms side, Tim has advised operators and regulators around the world on various aspects of retail and wholesale market regulation, including online markets and both mobile and fixed connectivity markets.

Tim regularly delivers training on behavioural economics as part of Oxera’s courses, as bespoke training for clients such as the FCA, and for marketing professionals. He has published articles on the intersection of behavioural economics 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

  • Advising a firm on the implications of the FCA’s proposed general insurance price walking remedies (2020–)

  • Advising a regulated firm on the application of the five capitals model in business planning (2020–)

  • Advised a firm on the financial impact of COVID-19 (2020)

  • Advised a financial services firm on antitrust concerns and profitability analysis (2020)

  • Conducted a large experiment on behavioural industrial organisation for a government department (2019)

  • Advising a Czech mobile network provider throughout the European Commission antitrust investigation (Article 101) into mobile network sharing (2016–)


  • 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

Recent developments in neuroscience show that decision-making is more complex than the (basic) model of System 1 and System 2 that was formulated for use in behavioural economics by the…
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…
Digital channels create new commercial opportunities and conduct risks (as well as commercial risks) for providers of financial services. There are important questions about the extent of provider responsibility and…
Three letters alone can describe the last 12 months for millions of people: W-F-H. Working from home is no longer a niche arrangement. Overnight, whole sectors of the economy abandoned…

The Economics of Climate Change at COP26

Oxera will be presenting on The Economics of Climate Change at COP26—the 2021 United Nations Climate Change Conference—in Glasgow, on one of the world leaders’ days on 2 November 2021. The aim of COP26 is to increase global alignment on climate action. We will be demonstrating to the world’s governments,… Read More

Image depicting The Economics of Climate Change at COP26