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Tom specialises in financial economics and economic regulation. His experience has spanned several sectors including water, energy, transport and financial services.

Credit information is used to help assess credit risk and affordability and plays a key role in enabling access to a range of financial and non-financial services.

In the world of policymaking, understanding the impact of initiatives is crucial for two main reasons: learning and accountability. But it’s also critical that evaluations are high-quality, drawing on the latest thinking and methods to provide robust insights.

The coronavirus pandemic is plunging the global economy into depression, but the full extent of the damage is inevitably still unknown.

Kalina focuses on competition and conduct regulation and litigation in consumer industries, with a particular focus on financial services and the digital sector.