This paper explores the relationship between owner-occupier mortgage debt and spending using detailed panel data on Australian households. It finds evidence consistent with a ‘debt overhang effect’ – households cut back on their spending when they have higher levels of outstanding mortgage debt.

This paper explores the data governance model designed for Ontario’s smart metering system for electricity consumption. Plans to introduce smart meters, designed to generate granular data about electrical consumption, led to concerns about how to balance the interests of public and private sector actors that are accessing and using this data with public concerns over...

There has been a rapid global rise in both bike and car share offerings. Yet many of these have only current low adoption levels, highlighting a pressing need to understand the consumer behaviour that surrounds their adoption. This research maps how future mobility and demand will be shaped as share car and bike schemes continue...

The Fourth Industrial Revolution is here, and personal information is increasingly being collected and commodified while legislation fails to keep up. This report illustrates the bewildering volume and scope of data collected about consumers as they go about their daily lives.

This research report considers how technology could be adopted quicker and more widely by the NHS to improve the care that patients receive and to drive better health outcomes.