Nicholas Spearman is a highly educated and motivated economist with notable experience in data science, behavioural science, and monetary systems. He has a doctorate in Economics, a Bachelor of Commerce, and a Bachelor of Business Science, all from prestigious South African universities. With strong analytical skills, extensive research experience, and practical knowledge across a broad spectrum of the money landscape, Spearman has worked as a lecturer and research academic at the University of Witwatersrand, as a market and credit analyst at two South African banks, and as a specialist project consultant at the South African Reserve Bank, where he focused on macroprudential policy, money market systems, and monetary policy. Spearman values intellectual exploration and teamwork, seeking environments where curious and adventurous professionals explore the unknown, learn from each other, and make discoveries that enhance our understanding of economic interactions.