Agnes Kovacs

Agnes Kovacs is a Senior Lecturer in Economics at The University of Manchester, Department of ECON. Her research focuses on applied microeconomics, behavioural economics, and macroeconomics, with an emphasis on understanding household consumption and savings behaviour through economic models and micro-level data. She explores how non-standard preferences can explain anomalies in household decision-making and the impact of income risks on economic choices. Kovacs is also associated with the Institute for Fiscal Studies as a Research Associate. Her work contributes to Sustainable Development Goal 10, Reduced Inequalities.

Agnes Kovacs is an Assistant Professor of Economics at The University of Manchester. Her research focuses on economic behavior, particularly in the areas of consumption, savings, and financial decision-making. Her work explores how individuals respond to income shocks, the role of leverage, and the impact of financial innovations on consumer welfare. She examines the interplay between present bias, commitment, and temptation in shaping economic choices, with a particular emphasis on hand-to-mouth behavior and the demand for illiquidity. Her research also investigates the effects of automated credit decisions on consumer outcomes and the trade-off between flexibility and commitment in financial contexts.