Publications

Models Behaving Badly: The Limits of Data-driven Lending

With Itzhak Ben-David and Rene Stulz, 2025, Review of Finance 29.3  711-745.

SSRN Version     Published Version

Gambling Away Stability: Sports Betting's Impact on Vulnerable Households

With Scott Baker, Justin Balthrop, Jason Kotter, and Kevin Pisciotta, 2026,  Journal of Financial Economics 183, 104330

SSRN Version      Published Version

Working Papers

Retail Betting Markets

With Scott Baker, Justin Balthrop, Jason Kotter, and Kevin Pisciotta

Recent version of the paper (SSRN)-Updated 07/26

Modernizing Access to Credit for Younger Entrepreneurs: From FICO to Cash Flow

With Christopher Hair, Sabrina T. Howell, and Siena Matsumoto

Recent version of the paper (SSRN)-Updated 06/26

Who Invests in Crypto? Revealed Types and Economic Drivers of Retail Investment

With Darren Aiello, Scott Baker, Tetyana Balyuk, Marco DiMaggio, and Jason Kotter (R&R, Review of Financial Studies)

Recent version of the paper (SSRN)-Updated 04/26

The Effects of Cryptocurrency Wealth on Household Consumption

With Darren Aiello, Scott Baker, Tetyana Balyuk, Marco DiMaggio,  and Jason Kotter (R&R, Journal of Finance)

Recent version of the paper (SSRN)-Updated 04/25

FinTech Lending with LowTech Pricing

With Itzhak Ben-David, Jason Lee, and Vincent Yao

Recent version of the paper (SSRN)-Updated 04/23

Marketplace Lending: Matching Small Businesses with Specialized Fintech Lenders

Recent version of the paper (PDF)--Updated 09/21