Research Interests
My research focuses on household risk management and financial decision making. In particular, I analyze the determinants and the economic consequences of household behavior in this context.
Determinants and Life-Cycle Effects of Survival Ambiguity
with Claudio Daminato
Presentations at the CEPR Paris Symposium 2025, the CEPR European Conference on Household Finance 2025, the 2025 World Risk and Insurance Economics Congress, the 2025 Stanford Financial Education Symposium, the Netspar International Pension Workshop 2025, and at the 2024 Conference on the Private and Social Insurance Implications of Demographic Change at Goethe University Frankfurt,
Selection into Financial Education and Effects on Portfolio Choice
with Pierre-Carl Michaud and Olivia S. Mitchell
Presentations at the Cherry Blossom Financial Education Institute 2023 and the 13th annual meeting of the Society for Experimental Finance
Gemmo, I., Browne, M.J. & Gründl, H. (2025). Privacy Concerns in Insurance Markets: Implications for Market Equilibria and Customer Utility. Canadian Journal of Economics/Revue canadienne d'économique, 58(2), 484-514.
D'Astous, P., Gemmo, I. & Michaud, P.-C. (2024). The Quality of Financial Advice: What Influences Recommendations to Clients? The Journal of Banking and Finance, 169, 107291.
Eling, M., Gemmo, I., Guxha, D. & Schmeiser, H. (2024). Big data, risk classification, and privacy in insurance markets. The Geneva Risk and Insurance Review, 49, 75-126.
Gemmo, I., Kubitza, C. & Rothschild, C. (2020). Constrained efficient equilibria in selection markets with continuous types. Journal of Public Economics, 90, 104237.
Gemmo, I., Rogalla, R. & Weinert, J.-H. (2020). Optimal portfolio choice with tontines under systematic longevity risk. Annals of Actuarial Science, 14(2), 302-315.
A Franc Less for a Pound More: (Price) Discrimination and the Value of Privacy
with Wanda Mimra and Anastasia Sycheva
Presentation at the 2020 North American Meetings of the Society for Experimental Finance.
Life Insurance Surrender as a Liquidity Risk Management Tool for Households
with Martin Götz
Presentations at the Annual Meeting of the American Risk and Insurance Association (ARIA; 2016) and at the Annual Congress of the German Insurance Science Association (DVfVW; 2016)