Dr. Annette Cerulli-Harms

Project Manager

Dr. Annette Cerulli-Harms
Project Manager

Tel: +49 (0)30 2359116-17
Fax: +49 (0)30 2359116-99

Annette Cerulli-Harms is responsible for leading national and international projects which use behavioral insights and behavior change designs focusing on areas such as retail finance, digitalization, real estate and sustainability management.

Annette is also experienced in delivering interactive workshops to build in-house capacity in behavioral economics and evidence-driven decision-making tools for public and private institutions. In recent projects, Annette has designed large-scale consumer surveys and behavioral experiments for clients such as the European Commission, government authorities and regulators. Annette has also worked on behavioral interventions for retail banks improving consumer outcomes.

During her time at ConPolicy, her PhD as well as in previous positions at London Economics, the Bocconi University and the United Nations Economic Commission for Europe, she acquired extensive experience in the econometric analysis of large data sets, and the presentation of statistical results for policy purposes. Annette holds a PhD in economics from the University of Lausanne in Switzerland. During her studies, she spent time as a researcher at the London School of Economics and at the University of Oxford. She also holds a master degree from the University of Mannheim in Germany and is fluent in five European languages.

Selected publications

  • Cerulli-Harms, A., Thorun, C. (2021): Expert opinion on PSD2 implementation in Germany – Project on account information and payment initiation services. Expert opinion on behalf of Verbraucherzentrale Bundesverband e.V.
  • Thorun, C., Cerulli-Harms, A., Micklitz, H. -W., Reisch, L. A. (2021) Nudge 2.0 – New applications of behavioral science findings in consumer policy. Study on behalf of the MLR Baden-Württemberg, Stuttgart
  • Suter, J. et al. (2021): Consumers' engagement in the circular economy: Results from a large-scale behavioral experiment and survey in the EU. In Nissen, N. F. & Jaeger-Erben, M. (Ed.), PLATE – Product lifetimes and the environment (pp. 769–776).
  • Cerulli-Harms, A., Münsch, M., Thorun, C., Michaelsen F. & Hausemer, P. (2020). Loot boxes in online games and their effect on consumers, in particular young consumers, Study for the Committee on the Internal Market and Consumer Protection (IMCO), Policy
  • Cerulli-Harms, A., L. Goette & C. Sprenger (2019). Randomizing endowments: An experimental study of rational expectations and reference-dependent preferences. American Economic Journal: Microeconomics.

more publications​​​​​​​

Selected lectures and presentations

  • CEBEX Summer School – Centre for Behavioral Experiments : Lectures in behavioral public policy (Prague, July 28 until August 04, 2018)
  • Public Policy Exchange: Using behavioral science to drive behavior change in reducing risks of STIs (London, March 08, 2018)
  • Digital Festival: Fatal attraction: Behavioral economics and digital tech developments (Cardiff, May 21, 2018)
  • JOLE-EALE World Meeting: Generation internship – The impact of internships on early job market performance (Montreal, June 28, 2015)
  • Southern Europe Experimentalist Meeting (Gran Canaria, February 04 until 07, 2015)