Skip to main content


Photo of Dr Monica Vessio

Dr Monica Vessio


Dr Vessio lectures law in the Faculty of Humanities, Arts and Social Sciences.


She is involved with teaching in commercial, banking and contract law. Prior to joining Exeter she held lecturing posts at the University of Pretoria, University of Johannesburg and the University of the West of England. She was also a guest lecturer at Catolica University in Porto in Banking Law. In South Africa, she colloborated with the Black Lawyers Association in training and upskilling attorneys and candidate attorneys in the commercial legal sector for many years. 


She practised as a commercial attorney and legal commercial consultant (to financial institutions and banks) for over 12 years.  She was a guest speaker at the Banking Ombudsman conference and conducted internal training for the Credit Ombudsman in 2018.  


She holds a BA and LLB from Rhodes University, her LLM cum laude, with honorary colours and LLD from the University of Pretoria.  


Dr Vessio is a member of the Centre for Commercial and Corporate Law at Exeter and Research Associate at the Centre for Banking Law at the University of Johannesburg.


Her current research interests are in sale of goods (supply chain issues), circularity (sustainbility) and digital banking law and regulation.  


Her work has been cited in the following cases:

Constitutional Court:

Supreme Court of Appeal 

  • Desert Star Trading 145 (Pty) Ltd and Another v No 11 Flamboyant Edleen CC and Another [2010] ZASCA 148


  • Margo and Another v Gardner, Gardner and Another v Margo and Another [2010] ZASCA 110


  • Nedbank Ltd and Others v The National Credit Regulator and Another [2011] ZASCA 35


  • Bornman v National Credit Regulator [2013] ZASCA 130


High Court

  • DA Cruz v Bernardo 2022 (2) SA 185 (GJ)



Dr Vessio has published extensively and is the co-author of Banking Law and Practice with advocate and acting judge Johan Moorcroft, an annually updated practitioner’s publication. (


Currently she is involved in a multi-disciplinary Circular Revolution project with Exeter Law School, Exeter Business School, Swansea University Law and Computing Departments and RiverSimple, a manufacturer of hydrogen cars. The project output will have impact in addressing the current legal issues raised by the circular economy model, smart contracts and issues raised by their crossover. The project is part of the Circular Economy Centre for Wales Project and is funded by the European Regional Development Fund through the Welsh Government and the 2014-2020 European Structural and Investment Funds (ESIF) Programme. 

Research group links

Research interests

Dr Vessio has a broad range of research interests: she started reading for her doctorate in the fields of contract and consumer credit law, then turned her focus onto various aspects of banking law, and more recently the effects of the blockchain on regulatory aspects of banking, including virtual and central bank digital currencies. 


Having been in practice for many years she has a keen understanding of commercial transactions. She is particularly interested in how the supply chain can be looped to support a more circular and sustainable solution.  



She has also focussed her attention on smart contracts, looking at the regulatory aspects of looping the supply chain while automating it at the same time. 


Research supervision

Dr Vessio has and is supervising LLM and LLD students writing dissertation in the fields of banking, consumer, commercial and contract law. 

She acts as examiner for LLD and LLM students.   

Modules taught

 Edit profile