Bangor University
Lead supervisor:
Dr Graeme Pearce 
Other supervisor(s):
- Dr Charlotte Rimmer
Start date: October 2025 (Full time)
Award: General
Subject Pathway:
Economics
Thematic Cluster:
Economy, Enterprise, and Productivity Cluster
The Impact of Evolving Payment and Investment Delivery Systems on Consumer Behaviour and the Perception of Money
My work examines how evolving digital payment systems reshape consumer financial behaviour and contribute to a shift in the perception of money from a tangible resource to an increasingly abstract construct. My PhD adopts a three-paper structure, with each paper addressing a distinct mechanism within this broader agenda.
Current focus (first paper): Rational Arbitrage or Behavioural Friction? Isolating the Micro-foundations of Demand for Buy Now, Pay Later. This study employs a framed laboratory experiment to investigate whether the Individual Discount Rate (IDR) is sensitive to the framing of credit costs and the nature of those costs. The aim is to identify whether BNPL uptake reflects rational intertemporal arbitrage or behavioural frictions embedded into the products’ design.
Biography
I am a behavioural and experimental economist with a BA in Economics from the University of Florida and an MSc in Banking from Bangor University. My research interests focus on how behavioural economics can inform the design of responsible financial products and guide policies that enhance consumer financial well-being in an increasingly digital financial environment.