Publications
How do Borrowers Respond to a Debt Moratorium? Experimental Evidence from Consumer Loans in India
with Stefano Fiorin and Joseph Hall
Western Finance Association Elsevier Best Paper Award
Conditionally accepted, Review of Financial Studies
Learning to Navigate a New Financial Technology
with Emily Breza and Leora Klapper, (2026)
Forthcoming, Journal of Finance
Supplementary appendix | Replication files
Macroeconomic Expectations and Credit Card Spending
with Mikhail Galashin and Ricardo Perez-Truglia, (2026)
Forthcoming, Review of Financial Studies
Supplementary appendix | Replication files
Moral Incentives in Credit Card Debt Repayment: Evidence from a Field Experiment
with Leonardo Bursztyn, Stefano Fiorin, and Daniel Gottlieb
Journal of Political Economy, 127(4): 1641-1683 (2019)
Supplementary appendix | Replication files | Slides
Status Goods: Experimental Evidence from Platinum Credit Cards
with Leonardo Bursztyn, Bruno Ferman, Stefano Fiorin, and Gautam Rao
Quarterly Journal of Economics, 133(3): 1561-1595 (2018)
Supplementary appendix | Replication files | Slides
The Economic Effects of a Borrower Bailout
with Xavier Giné
Review of Financial Studies, 31(5): 1752-1783 (2018)
Supplementary appendix | Replication files
What Does Debt Relief Do for Development? Evidence from India's Bailout for Rural Households
American Economic Journal: Applied Economics, 8(4): 66-99 (2016)
Supplementary appendix | Replication files
Incentivizing Calculated Risk-Taking: An Experiment with Commercial Bank Loan Officers
with Shawn Cole and Leora Klapper
Journal of Finance, 70(2): 537-575 (2015)
Supplementary appendix | Replication files
Reviews and Invited Research
Discrimination Expectations in the Credit Market: Survey Evidence from India
with Stefano Fiorin and Joseph Hall
American Economic Association, Papers & Proceedings, (2025)
Supplementary appendix | Replication files
Debt Relief for Households in Developing Economies
with Sasha Indarte
Oxford Review of Economic Policy, 40(1): 139-159 (2024)
Supplementary appendix | Replication files
Workplace Signaling and Financial Commitment
with Emily Breza and Leora Klapper
American Economic Review, Papers & Proceedings, 108: 438-443 (2018)
Supplementary appendix | Replication files