Assistant Professor of Finance
Assistant Professor of Finance
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I study how financial institutions and markets shape real economic behavior across a wide range of settings, including financial advisory markets, credit and bankruptcy systems, gender and misconduct, financial technology, and large-scale shocks such as natural disasters and pandemics. My work also draws on institutional variation in developing economies, particularly India, to examine how financial systems operate in different economic and regulatory environments.
A central focus of my research is uncovering the mechanisms that drive behavior and outcomes in firms, labor markets, and households. I combine institutional detail with novel data construction to bring empirical evidence to questions that are otherwise difficult to measure.
In addition to my research, I am interested in building collaborations that connect finance scholarship, student learning, and community-facing impact. This includes project-based learning in finance courses, financial literacy and decision-making initiatives, data and AI-supported teaching tools, and partnerships around local economic resilience, workforce recovery, and disaster response. I welcome conversations with practitioners, community organizations, public agencies, and industry partners whose work intersects with finance, data, labor markets, or regional economic development.
Current Research Highlights:
Banking access and crypto participation: Evidence from India’s crypto ban
Published in Finance Research Letters, 2026
With Matt Flynn and Anish Shankar Menon
Studies how banking access affects participation in cryptocurrency markets. Using India’s crypto banking ban and later reversal, the paper shows that de-banking reduced retail crypto activity, redirected participation toward formal financial systems, and had persistent effects even after the policy was reversed.
Evolution of Financial Advisory Markets with the Advent of Robo-Advisors
Published in Managerial Finance, 2024
Examines how the entry of robo-advisors reshapes financial advisory markets. Shows how technological innovation transforms intermediation and influences the behavior of traditional advisors.
Automation and High-Skill Labor Markets: Evidence from Robo-Advisors (with Matt Flynn)
Studies the labor market effects of robo-advisors on financial advisors. Finds that automation is complementary, driven by an expansion in demand for advisory services.
Gender Differences in Customer Dispute Resolution (with Ivilina Popova)
Examines gender differences in financial misconduct cases across complaint and arbitration stages. Shows that disparities emerge primarily during formal dispute resolution rather than at the incidence stage.
Creditor Rights Protection: Law vs. Lending Capacity (with Matt Flynn & Anish Shankar Menon)
Analyzes how India’s Insolvency and Bankruptcy Code (IBC) affects credit access for distressed firms. Finds that lending increases through existing bank relationships without expanding access to new lenders, highlighting persistent informational frictions.
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