Matthew Osborne- is an Assistant Professor of Marketing at the Department of Management – UTM at the University of Toronto. He is also cross appointed to the Rotman School of Management, and the Institute for Management & Innovation. Professor Osborne’s research focuses on better understanding and modeling consumers’ behavior when their decision-making is dynamic, and may be subject to behavioral biases. Some of his more recent work has involved predicting the impact of bill-shock regulation in wireless markets, using machine learning to quantify the effectiveness of different types of messaging in inducing pension holders to contribute to their retirement accounts, and using large-scale field experiments to estimate the impact of SMS alerts designed to prevent overdraft fees in retail banking. His work has been published in journals such as American Economic Journal: Microeconomics, American Economic Review, Quantitative Marketing and Economics, and The RAND Journal of Economics. He holds a PhD in economics from Stanford University, and a B.A. in mathematics and economics from Western University.