Portrait of Tom Davies

Tom Davies : Consultant

Tom joined Oxera in 2019, having previously worked as an Intern in 2018 before completing his MSc at Exeter University. During his studies he specialised in microeconomics, industrial organisation and behavioural economics. He is part of Oxera’s Regulation and Market Design team, with a particular focus on the economics of the financial services sector. Tom also has experience in competition-related litigation cases across a range of sectors.

Tom speaks English.

Tel: +44 (0) 1865 253092

Tom's specialisms include:

professional experience

  • Advice and economic analysis of the UK insurance and price comparison market for a major financial services company in the context of a CAT appeal (2020–21)

  • Economic analysis for a litigation case involving sports data companies (2020–)

  • Economic analysis of the value of English Law for LegalUK (2021)

  • Analysis of the regulation of interchange fees in the Chilean payments market (2021)

  • Advice to two UK water companies on the PR19 CMA appeal (2020–21)

  • Analysis for Wales and West Utilities on the RIIO-GD2 price control (2020–21)


  • MSc Economics, University of Exeter, UK

  • BSc (Hons) Economics, University of Exeter, UK

Latest Insights:  Tom Davies

5 minute read
The UK Financial Conduct Authority’s (FCA) Consumer Duty, a new outcomes-based regulation for financial services firms, has now been in force for over six months. July 2024 will see the…
15 minute read
Central bank digital currencies (CBDCs) have the potential to significantly change the way the global financial system operates. But what exactly are CBDCs, and what impact are they likely to…

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