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University of Exeter Business School

Dr Joerg Weber

Dr Joerg Weber

Deputy Head of Department - Economics (Business School); Director of Research & Impact; Senior Lecturer in Economics


 +44 (0) 1392 722580

 Streatham Court 1.41


Streatham Court, University of Exeter, Rennes Drive, Exeter, EX4 4PU, UK


I am an economist researching topics on household finance, choice and preferences. I am a Senior Lecturer in Economics at Exeter University Business School, and a research fellow at the Centre for Decision Research and Experimental Economics (CeDEx) and the Network for Integrated Behavioural Science (NIBS). Before joining Exeter, I was a Postdoctoral Research Fellow at the University of Nottingham School of Economics, where I also completed my PhD.

My research interests are in consumer decision making and lie at the intersection of economics and finance. My work is motivated by behavioural insights and policy questions and strives to understand how and why consumers make financial choices. I use a portfolio of methodological approaches to yield credible answers into causal mechanisms, including micro-econometrics, machine learning and experimental methods. In particular, I study how consumer preferences and behavioural biases affect choices and behaviour in field data, surveys and laboratory studies.


PhD in Economics (Nottingham), MSc Behavioural Economics (Nottingham)


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Journal articles

Weber J, Gathergood J, Sakaguchi H, Stewart N (2020). How Do Consumers Avoid Penalty Fees? Evidence from Credit Cards. Management Science, N/A, N/A-N/A.
Gathergood J, Mahoney N, Stewart N, Weber J (2019). How Do Individuals Repay Their Debt? the Balance-Matching Heuristic. American Economic Review, 109(3), 844-875. Abstract.
Gathergood J, Mahoney N, Stewart N, Weber J (2019). How do Americans repay their debt? the balance-matching heuristic. Economics Bulletin, 39(2)
Gathergood J, Weber J (2017). Financial literacy, present bias and alternative mortgage products. Journal of Banking & Finance, 78, 58-83.
Gathergood J, Weber J (2017). Financial literacy: a barrier to home ownership for the young?. Journal of Urban Economics, 99, 62-78.
DISNEY R, GATHERGOOD J, WEBER J (2015). Credit counseling: a substitute for consumer financial literacy?. Journal of Pension Economics and Finance, 14(4), 466-491. Abstract.
Gathergood J, Weber J (2014). Self-control, financial literacy & the co-holding puzzle. Journal of Economic Behavior & Organization, 107, 455-469.

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