Portrait of Tim Hogg

Tim Hogg : Senior Consultant

Tim leads the Behavioural Economics team 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’s courses, as bespoke training for clients such as the UK 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 on the design of customer communications for savings products (2022–)

  • Advising a European regulator on a market study in retail financial services (2020–)

  • Advising a firm applying for FCA authorisation (2021–)

  • Advised a number of insurers across general insurance markets on the impact of the FCA’s general insurance price walking remedies (2020–21)

  • Advised a European regulator on the impact of digitalisation on competition in financial services markets (2021)

  • Conducted an impact assessment on changes to public transport pricing (2022)


  • 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

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…
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…

Preparing for 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… Read More

Image depicting Preparing for Consumer Duty