Benedict Guttman-Kenney

Economics PhD Candidate, MBA, & Bradley Fellow at the University of Chicago Booth School of Business.

See my Academic Papers, CV, Google Scholar.

I combine big data with tools from economics and psychology to understand consumer behavior - primarily researching household debt and credit information.

Do get in touch via (preferred), Twitter @gk_ben, or


Chaired a panel on consumer credit data at the American Economic Association (AEA) 2023. (slides).

My paper on buy now pay later (BNPL) has just been published.

New Chicago Booth Review video on my credit card research and article on my medical debt research.

New coverage on BNPL in FT Tech video.


Before moving to Chicago I spent six years conducting economic research informing financial regulation at the UK Financial Conduct Authority (FCA), Bank of England, and Federal Reserve Bank of New York. Graduate of the University of Warwick & University College London.

Media coverage includes The Financial Times (1 - weekend lead `big read'), (2 - FT Tech video), (3 - front page), Wall Street Journal, BBC, Mashable, Raconteur, The Telegraph (1) (2), The FinTech Times, VoxEU/CEPR interview.

My academic research has been published in leading finance, marketing, & economics journals with summaries in the Chicago Booth Review.