Publications
Peer-Reviewed Academic Articles
"Time to Repay or Time to Delay? The Effect of Having More Time Before a Pay-day Loan is Due" (with Susan Carter, Paige Skiba, Justin Sydnor), American Economic Journal: Applied Economics, 2022, 14 (4): 91-126. Online Appendix
Best Paper Awards in Financial Markets & Institutions Semifinalist, FMA 2021
"The Impact of the Dodd-Frank Act on Small U.S. Banks" Accepted at Journal of Money, Credit and Banking
Best Paper Awards in Financial Markets & Institutions Semifinalist, FMA 2022
Media coverage: The Arkansas Banker, Spring 2024
Book Chapters
"Chapter 3 Market Concentration in Fintech" (with Dean Corbae and Pablo D'Erasmo), in Fintech Competition: Law, Policy, and Market Organisation, editors: Konstantinos Stylianou, Marios Iacovides, and Björn Lundqvist (Bloomsbury-Hart, 2023). Philadelphia Fed working paper version.
Media coverage: Chicago Booth Review, Summer 2025
Mass Media Articles
"The Collapse of Bank Entry Since the Dodd-Frank Act and Prospects for Recovery" (with Timothy J. Yeager), The Arkansas Banker, Spring 2024