Tobias Schmidt

Tobias Schmidt is a Senior Research Fellow at the Research Centre of the Deutsche Bundesbank. His primary affiliations include the Bundesbank's Research Professors and Research Fellows group, focusing on household finance, survey methodology, and innovation activities of firms. He has been a Senior Researcher at the Research Centre since 2007.

His research expertise spans

• Household finance and wealth distribution,
• Expectations formation of households and firms,
• Methodological innovations in survey design and implementation,
• Payment systems and cash usage patterns,
• Innovation strategies and knowledge management in firms.

His recent work emphasizes cross-country comparisons in homeownership and inflation expectations during crises, leveraging the Bundesbank's Panel on Household Finances (PHF) and Eurosystem surveys. Key contributions include analyzing Germany's cash dominance, survey interviewer effects on financial literacy measurements, and cross-country payment behavior.

He has presented at major conferences including the Verein für Socialpolitik Annual Meetings, European Survey Research Association (ESRA), and the ECB Workshop on Payment Surveys. His work features prominently in high-impact journals such as the Journal of Happiness Studies, Journal of Housing Economics, and International Journal of Central Banking.

His current projects include studying pandemic impacts on household finances and the role of central bank communication in shaping inflation expectations. He collaborates with international institutions such as the ECB and ZEW Mannheim.