Research Associates

The Fin-Ed Centre appoints three Research Associates.
These three high calibre researchers have been involved with the Centre for over two years under the banner of Alliance of Financial Capability Academics (AFCA).

Professor Bernadene de Clercq

Bernadene de Clercq After completion of her articles at PWC, she worked as Group Tax Manager at a listed financial institution. As a Certified Financial Planner®, she returned to PWC working in their Financial Services Division before embarking on private practice for a few years. She joined Unisa in 2002. She completed her doctoral studies in the field of personal finance and has been actively involved research regarding financial wellness, financial capability and financial education. Her interest regarding personal finances provided the platform for local and international networks, as she is a member of the OECD/INFE Research Committee, a group of researchers across the world focusing on financial education initiatives. She is also a member of the South African National Committee on Financial Education (NCFEC). Prof de Clercq is chair of NCFEC’s working group tasked with embedding financial education (which includes tax education) in the formal education system. Her interest in taxpayer education as a mechanism to enhance voluntary tax compliance has further lead to her becoming a member of the Technical Working Group (TWG) Paying Taxes. The TWG Paying Taxes is one of the working groups tasked by the Presidency to address and manage South Africa’s Investment Climate Reform Programme. The focus of the TWG Paying Taxes is to determine how tax legislation can be simplified to reduce compliance costs and ensure effective tax administration, especially, but not limited, to the SMME sector. Prof de Clercq’s research output to date include inter alia several research reports, conference proceedings (both local and international) and several academic articles.

Professor Andy Lymer

Andy Lymer Professor Andy Lymer is a Professor of Accounting and Taxation in the Birmingham Business School and Director of the Research Centre for Household Assets and Savings Management (CHASM) – a research centre addressing all aspects of personal financial wellbeing




Professor Dennis Philip

Dennis Philip Dennis Philip is Professor in Finance at Durham University Business School and Director of the Centre for Banking, Institutions and Development (CBID). His research interests lie in developing innovative methods to scientifically evaluate topics in banking, financial literacy and financial modelling. He has advised central banks, financial regulators, NGOs and community interest companies for the effective and innovative provision of financial education and financial inclusion. His research has been funded by financial companies, central banks and the European Commission. Several of his research works have been published in internationally renowned academic journals.

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