Junaid Arshad

Junaid Arshad

University of St Andrews

I am an Associate Lecturer in the School of Economics and Finance, University of St Andrews. My research focuses on the interaction of Behavioural Economics, Development Economics, and Industrial Organisation. I study the role of beliefs, emotions, and behavioural biases in decision making when formal enforcement mechanisms are missing or imperfect (e.g., microfinance contracts, informal risk-sharing, and tax compliance).