Angelika Welte

Angelika Welte is an Adjunct Professor in the Department of Mathematics and Statistics at the University of Ottawa's Faculty of Science. Her research focuses on payment systems, economic analysis, and financial innovation, with particular attention to consumer behavior and market dynamics in the context of digital and traditional payment methods. She has conducted extensive studies on merchant acceptance of cash, the impact of payment card pricing, and the adoption of financial technologies like mobile payments. Her work often leverages high-frequency transaction data and survey methodologies to analyze spending patterns during economic disruptions such as the COVID-19 pandemic.

Key research themes include the regressive effects of payment card pricing on merchants, the untapped potential of mobile payments in Canada, and the dynamics of ATM card adoption in Italy. Dr. Welte has contributed to policy-relevant analyses through reports like the Bank of Canada's retailer surveys and the 2023 Merchant Acceptance Survey. Her interdisciplinary approach bridges economics, data science, and behavioral analysis to address questions of market efficiency and consumer welfare.

Notable collaborations include studies on discounting strategies for payment steering and the cost structures of point-of-sale systems in Canada. Her work frequently appears in peer-reviewed journals and policy reports, emphasizing both quantitative rigor and real-world applicability. While no specific awards or grants are listed, her extensive publication record reflects sustained academic engagement with payment systems and economic behavior.