Dr Marcel Lukas
Senior Lecturer
Biography
I am a senior lecturer in banking and finance at University of St Andrews since August 2020.
Before joining St Andrews I was an Assistant Professor at Finance at Heriot-Watt University for two years.
Prior to joining Heriot-Watt I completed my PhD at University of Edinburgh focusing on Financial Technology (FinTech) and its influence on spending and investing behaviour.
I received my MSc in Banking and Finance from University of St Andrews in 2015.
Before that I was a project manager at the finance department of Volkswagen for two years and a change management consultant in the financial services industry with IBM for four years. My main research interest is in FinTech and how we can use it to improve financial well-being of consumers.
Teaching
- MN5310 Banking and Finance
- MN5312 Financial Technology
Research areas
My main area of research is Consumer Financial Decision Making and the influence of Financial Technology. My main projects at the moment focus on the influence of budgeting apps on spending and general financial behaviour. I currently collaborate with two FinTech companies which helps me to provide real-time insights into consumer financial decision making. Related research informed the UK Parliament and was covered by major news outlets such as the Times. My work on budgeting was covered by the Financial Times and the BBC. My research is situated in the Centre for Responsible Banking & Finance.
PhD supervision
- Friedrich Roper
- Amelia Nelson
- Amelia Nelson
Selected publications
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Open access
The influence of budgets on consumer spending
Lukas, M. F. & Howard, R. C. C., 1 Feb 2023, In: Journal of Consumer Research. 49, 5, p. 697–720 24 p., ucac024.Research output: Contribution to journal › Article › peer-review
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Open access
Investment transparency and the disposition effect
Danbolt, J., Eshraghi, A. & Lukas, M., 1 Jun 2022, In: European Financial Management. 28, 3, p. 834-865 32 p.Research output: Contribution to journal › Article › peer-review
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Open access
Understanding and neutralizing the expense prediction bias: the role of accessibility, typicality, and skewness
Howard, R. C., Hardisty, D. J., Sussman, A. B. & Lukas, M., 1 Apr 2022, In: Journal of Marketing Research. 59, 2, p. 435-452 18 p.Research output: Contribution to journal › Article › peer-review
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Open access
We tend to underestimate our future expenses – here’s one way to prevent that
Howard, R. C., Sussman, A., Hardisty, D. J. & Lukas, M., 28 Sept 2022, The Conversation.Research output: Contribution to specialist publication › Article
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The Influence of Budgets on Consumer Spending
Lukas, M. & Howard, C., 2021.Research output: Working paper
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Open access
Consumer spending responses to the Covid-19 pandemic: an assessment of Great Britain
Chronopoulos, D., Lukas, M. & Wilson, J. O. S., 3 Jul 2020, In: Covid Economics. 34, p. 145-186 6.Research output: Contribution to journal › Article
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Higher economic inequality intensifies the financial hardship of people living in poverty by fraying the community buffer
Jachimowicz, J., Szaszi, B., Lukas, M., Smerdon, D., Prabhu, J. & Weber, E. U., 30 Mar 2020, In: Nature Human Behaviour. 4, p. 702–712Research output: Contribution to journal › Article › peer-review
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Spending and Financial Well-Being: A Critical Review of the Research Evidence
Harrison, T., Dunnet, S., Ansell, J. & Lukas, M., 2020Research output: Book/Report › Commissioned report
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Open access
Transparency and investment decisions: Evidence from the disposition effect
Lukas, M., Eshraghi, A. & Danbolt, J., 2017, SSRN.Research output: Working paper