Working Papers
Integrated Intermediation and Fintech Market Power
(with Greg Buchak and Vera Chau)
Bank Technology Adoption and Loan Production in the U.S. Mortgage Market
(with José Ignacio Cuesta, Sheila Jiang, and Douglas Xu)
Do Mortgage Lenders Compete Locally? Implications for Credit Access
(with Greg Buchak)
Supported by the Washington Center for Equitable Growth
Publications
Financial Sophistication and Consumer Spending
Forthcoming, Journal of Finance
Sharing R&D Risk in Healthcare via FDA Hedges
(with Andrew W. Lo, Tomas Philipson, Manita Singh, and Richard Thakor), Review of Corporate Finance Studies, 11(4), 880-922, 2022
NBER working paper SSRN
Media: Marginal Revolution, Forbes, RAPS
Work in progress
Who Benefits from Financial Technology? A Trade-off between Credit Access and Price Discrimination
(with Menaka Hampole and Stephanie Johnson)