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Analysing Financial Behaviour Using Transactional Data (Fruits of collaboration between academia and industry)

  • Business School, University of Edinburgh Edinburgh (map)
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Free Event

Registration open soon

Analysing Financial Behaviour Using Transactional Data

(Fruits of collaboration between academia and industry)

Occasionally, we are woken up by news headlines about the poor financial health and literacy of UK consumers:

1. “Millions of people in the UK are affected by problematic debt, and many are too ashamed to seek help”.

2. “One in three middle-class adults said they would need to borrow money to pay a surprise £500 bill”.

3. “Half of British workers cannot afford to retire”.

In this event, researchers from the University of Edinburgh and Heriot-Watt University, as well as members of the fintech industry join to deliver latest insights on personal financial health and financial behaviour in the UK. In the talks innovative findings, methodology and technological developments based on newly available “naturally occurring” transactional data from personal accounts will be presented.

Marcel Lukas is an Assistant Professor in Finance at the Heriot-Watt University. His main research focus is on technology and its influence on financial decision making. In his presentation he will talk about how naturally occurring financial data can be used to improve our understanding about the impact of personal spending goals on daily spending decisions.

Andrej Svetlosak is a Doctoral Researcher at the University of Edinburgh (UoE), working on the Financial Health Check project (collaboration of the UoE, and The Data Lab). His research focuses on methods for evaluations of financial health and identification of financial behavioural patterns. In his talk he will present new findings from the Financial Health Check project on comparing financial health in similar individuals, and segmentation methods based on financial behaviour, self-control and financial status.

Manuel Peleteiro, CEO of and industrial partner of the Financial Health Check project, will present their Customer Analytics application. The application is a system for analysing the financial situation and financial behaviour of individuals based on a full picture of their personal finances (current accounts, credit account, investments, pensions, mortgages and loans).

The event will be introduced and moderated by UK's largest Personal Financial Management provider and winner of the British Bank Awards: Best Personal Finance App 2017 & 2018, Money Dashboard.

The event will be hosted on Tuesday 19th of March at the Business School of the University of Edinburgh (capacity 100 attendees). Questions can be asked at the end of each talk. However, we allocated the last 15min for questions directed at all speakers.

1. Registration: 3pm-3:30pm

2. Impact of personal spending goals on spending decisions - Marcel Lukas (Heriot-Watt University) 3:30pm – 4pm

3. Financial Health Check project – Andrej Svetlosak (University of Edinburgh) 4pm-4:30pm

4. Customer Analytics application – Manuel Peleteiro (CEO Inbest) 4:30pm-5pm

5. Q & A: 5pm - 5:15pm

6. Networking and drinks: 5:15pm-6:15pm

If you are interested and/or concerned about financial inclusion, financial well-being and/or financial behaviour come and joins us. Participants from all backgrounds are welcomed including industry, public sector, NGOs and academia.