• KY16 9RJ

    United Kingdom

Accepting Postgraduate Research Students

Personal profile

Research overview

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. 


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 activity

  • MN5310 Banking and Finance
  • MN5312 Financial Technology

Profile Keywords

Household finance; consumer finance; financial technology

Expertise related to UN Sustainable Development Goals

In 2015, UN member states agreed to 17 global Sustainable Development Goals (SDGs) to end poverty, protect the planet and ensure prosperity for all. This person’s work contributes towards the following SDG(s):

  • SDG 3 - Good Health and Well-being
  • SDG 10 - Reduced Inequalities
  • SDG 12 - Responsible Consumption and Production


Dive into the research topics where Marcel Lukas is active. These topic labels come from the works of this person. Together they form a unique fingerprint.
  • 1 Similar Profiles

Collaborations and top research areas from the last five years

Recent external collaboration on country/territory level. Dive into details by clicking on the dots or