ACADEMIC Research
Publications
How Do Payday Loans Affect Borrowers? Evidence from the U.K. Market (with John Gathergood & Stefan Hunt) Review of Financial Studies, 32 (2), 496–523, 2019.
- Reprinted in Society for Financial Studies Virtual Issue on Debt.
Default Effects of Credit Card Minimum Payments (with Hiroaki Sakaguchi, Neil Stewart, John Gathergood, Paul Adams, Lucy Hayes, & Stefan Hunt) Journal of Marketing Research, 59 (4), 775–796, 2022.
- American Marketing Association Blog.
Do Nudges Reduce Borrowing and Consumer Confusion in the Credit Card Market? (with Paul Adams, Lucy Hayes, Stefan Hunt, David Laibson, & Neil Stewart) Economica, 89 (S1: Centenary Issue 1921 - 2021), S178–S199, 2022.
- Chicago Booth Review Video & Article (on Economica & Journal of Marketing Research papers).
Buy Now, Pay Later (BNPL) ...On Your Credit Card (with Chris Firth & John Gathergood) Journal of Behavioral and Experimental Finance, 37, 100788, 2023.
- Op-Ed on BNPL, Chicago Booth Review Article.
Tracking and Stress-Testing U.S. Household Leverage (with Andreas Fuster & Andrew Haughwout) Economic Policy Review, 24 (1), 35–63, 2018.
- Liberty Street Economics Blog, Updated Data.
COVID-19 Papers
Trends in Medical Debt During the COVID-19 Pandemic (With Ray Kluender, Neale Mahoney, Francis Wong, Xuyang Xia, & Wes Yin) JAMA Health Forum, 3 (5), e221031, 2022.
- Chicago Booth Review Article & Twitter thread.
VoxEU/CEPR interview on these two COVID-19 papers:
The English Patient: Evaluating Local Lockdowns Using Real-Time COVID-19 & Consumption Data (with John Gathergood) CEPR Covid Economics, 64, 73–100, 2021.
- Chicago Booth Review Article.
Levelling Down and the COVID-19 Lockdowns: Uneven Regional Recovery in UK Consumer Spending (with John Gathergood, Fabian Gunzinger, Edika Quispe-Torreblanca, & Neil Stewart) CEPR Covid Economics, 67, 24–52, 2021.
- Chicago Booth Review Article.
Working Papers
The Semblance of Success in Nudging Consumers to Pay Down Credit Card Debt (with Paul Adams, Stefan Hunt, David Laibson, Neil Stewart, & Jesse Leary), 2023. Under Review.
- This paper combines two 2018 working papers: The Semblance of Success in Nudging Consumers to Pay Down Credit Card Debt and Weighing Anchor on Credit Card Debt.
Selected Works-in-Progress
Job Market Paper A Share Too Far: How Data Innovation Unraveled U.S. Credit Card Information Sharing (with Andrés Shahidinejad)
- Twitter thread on CFPB announcement.
- 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.
Consumer Credit Reporting Data (with Christa Gibbs, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw, & Jialan Wang) Commissioned for the Journal of Economic Literature.
- Slides from AEA 2023 Panel.
- Slides, Chicago Booth Review Article.
Evaluating Hard Paternalism: Evidence from Quebec Tightening Credit Card Minimum Payments (with Jason Allen & Michael Boutros)
Dynamic Heuristics
Access to Credit & Credit Invisibility (with Tony Cookson & Will Mullins)