ACADEMIC Research
Homepage, Policy Research Page, Presentations Page
CV, Google Scholar, Research Statement
Working Papers
- My Job Market Paper. With Andrés Shahidinejad.
- I have received a NBER Consumer Finance Dissertation Fellowship, Stigler Center PhD Dissertation Award, Bradley Fellowship, and Fama-Miller Center for Research in Finance's John and Serena Liew Fellowship Funding for this research.
- Chicago Booth Review Article.
The Semblance of Success in Nudging Consumers to Pay Down Credit Card Debt, 2023 (NBER Working Paper No. 31926). American Economic Journal: Economic Policy (Revise & Resubmit, First Round).
- With Paul Adams, Stefan Hunt, David Laibson, Neil Stewart, & Jesse Leary.
- Chicago Booth Review Article.
Consumer Credit Reporting Data, 2023. Journal of Economic Literature (Revise & Resubmit, Second Round).
- With Christa Gibbs, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw, & Jialan Wang.
Publications
How Do Payday Loans Affect Borrowers? Evidence from the U.K. Market Review of Financial Studies, 32 (2), 496–523, 2019.
- With John Gathergood & Stefan Hunt.
- Reprinted in Society for Financial Studies Virtual Issue on Debt.
Default Effects of Credit Card Minimum Payments Journal of Marketing Research, 59 (4), 775–796, 2022.
- With Hiroaki Sakaguchi, Neil Stewart, John Gathergood, Paul Adams, Lucy Hayes, & Stefan Hunt.
- American Marketing Association Blog.
Do Nudges Reduce Borrowing and Consumer Confusion in the Credit Card Market? Economica, 89 (S1: Centenary Issue 1921 - 2021), S178–S199, 2022.
- With Paul Adams, Lucy Hayes, Stefan Hunt, David Laibson, & Neil Stewart.
- Chicago Booth Review Video & Article (covering Economica & Journal of Marketing Research papers).
Buy Now, Pay Later (BNPL) ...On Your Credit Card Journal of Behavioral and Experimental Finance, 37, 100788, 2023.
- With Chris Firth & John Gathergood.
- Op-Ed on BNPL, Chicago Booth Review Article.
Tracking and Stress-Testing U.S. Household Leverage Economic Policy Review, 24 (1), 35–63, 2018.
- With Andreas Fuster & Andrew Haughwout.
- Liberty Street Economics Blog, Updated Data.
COVID-19 Papers
Trends in Medical Debt During the COVID-19 Pandemic JAMA Health Forum, 3 (5), e221031, 2022.
- With Ray Kluender, Neale Mahoney, Francis Wong, Xuyang Xia, & Wes Yin.
- Chicago Booth Review Article & Twitter thread.
The English Patient: Evaluating Local Lockdowns Using Real-Time COVID-19 & Consumption Data CEPR Covid Economics, 64, 73–100, 2021.
- With John Gathergood.
- Chicago Booth Review Article & VoxEU/CEPR interview covering this and the paper below.
Levelling Down and the COVID-19 Lockdowns: Uneven Regional Recovery in UK Consumer Spending CEPR Covid Economics, 67, 24–52, 2021.
- With John Gathergood, Fabian Gunzinger, Edika Quispe-Torreblanca, & Neil Stewart.
- Chicago Booth Review Article.
Selected Works-in-Progress
Evaluating Hard Paternalism: Evidence from Quebec Tightening Credit Card Minimum Payments
- With Jason Allen & Michael Boutros.
Access to Credit & Credit Invisibility
- With Tony Cookson & Will Mullins.
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