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With public debt markets showing every sign of stress, from high gold prices to warnings from international institutions, two neighbouring European economies have come under particularly unwelcome scrutiny.

The aim of our project with Santander was to help the Customer Centre integrate the Behavioural Economics (BE) toolbox with its research and to demonstrate this through  applied research on a topic of  interest: how HORECA companies are being affected by COVID-19.

This article considers what lessons can be learnt from the telecoms sector. The main insight is that well-intended ex ante regulatory intervention risks deterring innovation which can be an important feature in digital markets.

Innovation is at the heart of every business and we work with clients from across all industries on creating successful innovation - from banks to restaurant chains to retailers.