New (!) & Ongoing Work
Randomized Entry: The Equilibrium Effects of Entry in Digital Financial Markets
[v: February 2025 (PDF)] [v: NBER Working Paper (PDF)], AEA RCT REGISTRY (with MTN MobileMoney Limited and Ghana Commercial Bank Limited)
[enlisting non-financial businesses to provide retail financial services is a widespread and scalable practice globally. what are the equilibrium effects of such market entry approach -- entry with bundling?]
Perceptions and Performance Under Incentive Contracts, AEA RCT REGISTRY (with MTN MobileMoney Limited and Collin Raymond)
[why do firms choose different incentive contracts? what contracts are optimal? how good is the principal in predicting optimal contracts -- an `unstated' assumption in standard models? and what are the consequences?]
Improving Access to Finance through Market Expansion and Consumer Evaluations, AEA RCT REGISTRY (with Orange Money, GT Bank, CAFOD, IPA)
Redistribution Through Firms (with Ghana Government's NPA and Abdoulaye Ndiaye) [SLIDES AVAILABLE]
Designing Insurance for Climate Change: The Case of The U.S. Federal Crop Insurance Program (with Shresth Garg, Sagar Saxena and Shuo Yu) [SLIDES AVAILABLE]
Publications
Misconduct and Reputation Under Imperfect Information [JOURNAL OF POLITICAL ECONOMY, 2025, Vol. 133, No. 5, pp. 1460-1496] [v: Working Paper (PDF)]
The Value of Communication for Mental Health (with Belinda Archibong) [Working Paper (PDF)] (v: 2023), Conditionally Accepted, THE ECONOMIC JOURNAL
Moral Hazard in Insurance: Theory and Evidence from a Credit Reform in Ghana [JOURNAL OF PUBLIC ECONOMICS, 2022, Vol. 209 (104633)]
Risk, Informal Institutions, and Index Insurance (with Bikramaditya Datta) [JOURNAL OF ENVIRONMENTAL ECONOMICS AND MANAGEMENT, 2022, Vol. 113 (102635)]
Does Bundling Induce Adverse Selection in Insurance? [ECONOMICS LETTERS, 2020, Vol. 196 (109588)]
Disease and Gender Gaps in Human Capital Investment: Evidence from Niger’s 1986 Meningitis Epidemic (with Belinda Archibong) [AMERICAN ECONOMIC REVIEW: PAPERS AND PROCEEDINGS, 2017, Vol. 107, No. 5: 530-535]
Federal Crop Insurance and The Disincentive to Adapt to Extreme Heat (with Wolfram Schlenker) [AMERICAN ECONOMIC REVIEW: PAPERS AND PROCEEDINGS, 2015, Vol. 105, No. 5: 262-266]
Spatial Pattern of Yield Distributions: Implications for Crop Insurance (with Jesse Tack, Ardian Harri, Keith Coble) [AMERICAN JOURNAL OF AGRICULTURAL ECONOMICS, 2014, Vol. 96, No. 1: 253-268]
The Epidemic Effect: Epidemics, Institutions and Human Capital Development [Working Paper (PDF)] (v: 2023) (with Belinda Archibong, Uche Ekhator-Mobayode) [JOURNAL OF ECONOMIC BEHAVIOR AND ORGANIZATION, 2023, Vol. 96, No. 1: 549-566]
Working Papers
Gender and Financial Misconduct: A Field Experiment on Mobile Money [Working Paper (PDF)]
Other Publications
Digital Public Services Delivery in Ghana -- A Viewpoint [Viewpoint: D-PSD in Ghana (PDF)] [BROOKINGS AGI, 2024]
Adapting the U.S. Federal Crop Insurance Program for Climate Change: Critical Lessons for Policy Design (PDF) [ARE UPDATE, 2024]
Digital Payments, [Working Paper (PDF)] (with Xavier Giné, Chi Man Cheung) [OXFORD REVIEW OF ECONOMIC POLICY, 2024, vol. 40, No. 1: 118-128]
Transaction Cost Index, [Report: Transaction Cost Index (PDF)] (with X. Giné, W. Blackmon, B. Mwesigwa, A. Zapanta) (v: 2023) [INNOVATIONS FOR POVERTY ACTION]
Climate Change, Epidemics and Inequality, [Working Paper (PDF)] (with Belinda Archibong) [REVIEW OF ENVIRONMENTAL ECONOMICS AND POLICY, 2023, Vol. 17, No. 2: 1]
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