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.
Buy Now, Pay Later (BNPL) ...On Your Credit Card (with Chris Firth & John Gathergood) Journal of Behavioral and Experimental Finance, 37, 100788, 2023. <- NEWLY PUBLISHED!
- Op-Ed on BNPL, Chicago Booth Review Article.
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.
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), S178–S199, 2022.
- Chicago Booth Review Video & Article (on Economica & Journal of Marketing Research papers).
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), 2018 (EMAIL FOR 2023 VERSION). Submitted.
Weighing Anchor on Credit Card Debt (with Jesse Leary & Neil Stewart), 2018.
Selected Works-in-Progress
A Share Too Far: How Data Innovation Unraveled U.S. Credit Card Information Sharing (with Andrés Shahidinejad)
- Twitter thread on CFPB announcement.
- Poster, Slides, Chicago Booth Review Article.
A Guide to Consumer Credit Reporting Data (with Christa Gibbs, Donghoon Lee, Scott Nelson, Wilbert van der Klaauw, & Jialan Wang)
- Slides from AEA 2023 Panel.
Evaluating Hard Paternalism: Evidence from Quebec Tightening Credit Card Minimum Payments (with Jason Allen & Michael Boutros)
Dynamic Heuristics: Consumer Responses to Gas Prices