Professor of Economics
My research focuses on intertemporal choice and household finance. It tests economic theories of how firms and consumers interact in markets and examines the merits of incorporating specific features of psychology into economic models. I am particularly interested in developing and testing innovations that build better financial services architecture for people and the institutions that serve them.
"Household Debt" (2014)
"Borrowing High vs. Borrowing Higher: Explaining Cross-Individual Dispersion in Borrowing Costs" (with Victor Stango, May 2014)
"Savings by and for the Poor: A Research Review and Agenda" (with Dean Karlan & Aishwarya Lakshmi Ratan, 2014)
"Limited and Varying Consumer attention Evidence from Shocks to the Salience of Bank Overdraft Fees" Oxford Journals (with Victor Stango, February 2014)
"Follow the Money: Methods for Identifying Consumption and Investment responses to a Liquidity Shock" NBER (with Dean Karlan and Adam Osman, December 2013)
"Consumer Credit: Too Much or Too Little (or Just Right)?" NBER (November 2013)
Microcredit in Theory and Practice: Using Randomized Credit Scoring for Impact Evaluation, Science, 10 June 2011, 332(6035), 1278-1284, with Dean Karlan
Being Surveyed Can Change Later Behavior and Related Parameter Estimates Proceedings of the National Academy of Sciences, 10(1073), pp. 1-6, January 2011, joint with Alix Zwane, Eric Van Dusen, William Pariente, Clair Null, Edward Miguel, Michael Kremer, Dean Karlan, Richard Hornbeck, Xavier Giné, Esther Duﬂo, Florencia Devoto, Bruno Crepon and Abhijit Banerjee.
Fuzzy Math, Disclosure Regulation, and Credit Market Outcomes: Evidence from Truth-in-Lending Reform
this version supersedes "How a Cognitive Bias Shapes Competition..."
Review of Financial Studies 24(2): 506-534, February 2011, with Victor Stango
What’s Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment
previous title: "What's Psychology Worth?..." Web Appendix Data
Quarterly Journal of Economics, 125(1), February 2010, with M. Bertrand, D. Karlan, S. Mullainathan, and E. Shafir
Restricting Consumer Credit Access: Household Survey Evidence on Effects Around the Oregon Rate Cap
Journal of Banking and Finance, 34(3), March 2010, 546-556
Social and Economic Correlates of Depressive Symptoms and Perceived Stress in South African Adults
Journal of Epidemiology and Community Health, 62, pp. 538-544, with Rita Hamad, Lia Fernald, and Dean Karlan