Education
PhD in Marketing & Behavioral Science - The University of British ColumbiaBA in International Economics and Finance - Ryerson University
Research Interest
Cognitive Biases, Consumer Financial Decision Making, Moral Judgment and Decision Making, Consumer BehaviorBiography
Dr. Ray Charles ‘Chuck’ Howard is an expert on improving financial decision making. His research answers questions like: Why do people underpredict their future expenses and overpredict their future income? How can we make more accurate financial predictions? How can people stay on budget and avoid overspending? Dr. Howard’s research has been published in leading academic journals such as Journal of Consumer Research, Journal of Marketing Research, and Organizational Behavior and Human Decision Processes. He has received awards from the Society for Consumer Psychology, the Society for Judgment and Decision Making, and the Behavioral Insights Group at Harvard University. Dr. Howard’s research findings have reached a global audience, including executives, policymakers, and academics in the US, Canada, Europe, Asia, and Africa, and his commentary has been featured by CNN, NPR Marketplace, The Conversation, The Brainy Business Podcast, The Morning Beat Podcast, Wallethub, Money Geek, and KBTX News.
