• Banking access and crypto participation: Evidence from India’s crypto ban
  Published in Finance Research Letters, 2026

With Matt Flynn and Anish Shankar Menon

Uses India’s crypto banking ban and reversal to study how banking access shapes retail participation in cryptocurrency markets.

[Journal Link]

• 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.

[Journal Link]

• 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.

Status: Submitted to Journal

• Misconduct and Dispute Resolution in Financial Advisory Markets (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.

Status: Draft

• 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.

Status: Draft

• Gendered Compliance Costs at Work: Grooming and Workplace Visibility During Covid (with Matt Flynn & Leyuan You)

Studies whether gender differences in appearance-related effort reflect preferences or context. Using COVID-19 as a natural experiment, shows that these efforts are context-dependent, with women reallocating time toward work and sleep.

Status: Draft

• When War Hits Home: Civilian Insecurity, State Conflict, and Crypto Adoption (with Matt Flynn & Yifan Liu)

Analyzes how political violence shapes cryptocurrency participation across countries. Shows that activity falls during state conflict but rises with civilian insecurity, highlighting crypto’s dual role as speculation and a store of value. 

Status: Draft

• Political Turnover and Corporate Misconduct (with Yifan Liu)

Studies how political turnover affects corporate misconduct by changing firms’ expectations about enforcement and regulatory priorities.

Status: Draft

• Natural Disasters, Financial Advisor Markets, and Misconduct

Examines how natural disasters reshape local financial-advice markets by affecting both advisor supply and household demand, with implications for complaints and misconduct risk.

Status: Draft

• Motherhood and the Allocation of Time

Examines how motherhood affects women’s time use, with a focus on market work and household production.

Status: Draft

• Hurricanes, Local Financial Distress, and Household Bankruptcy 

Examines how hurricanes affect household bankruptcy filings across local areas. The project studies how disaster exposure interacts with local economic conditions, housing markets, and recovery capacity.

Status: Draft

• Natural Disasters and Labor Market Dynamics

Examines how local economic shocks affect hiring, separations, and earnings using disaster exposure data. 

• Firm Risk and Green Innovation 

Studies how firm-level risk influences environmentally relevant innovation outcomes. 

• Political Uncertainty and Corporate Misconduct

Explores whether political uncertainty affects corporate misconduct, focusing on firm incentives and enforcement dynamics.

• Credit Unions and Local Economic Resilience during COVID-19 

Studies how pre-existing credit union networks shape local resilience during COVID-19 and how these institutions adjust lending and balance sheet behavior in response to shocks.

• Robo-Advisors and Advisor Investment Behavior

Studies how robo-advisors reshape the portfolio choices and investment behavior of traditional financial advisors.