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.

Recent version of the paper (SSRN)-Updated_12/24

Working Papers

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 06/25

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

With Scott Baker, Justin Balthrop, Jason Kotter, and Kevin Pisciotta (R&R, Journal of Financial Economics)

Recent version of the paper (SSRN)-Updated 07/24

Cryptocurrency Investing: Stimulus Checks and Inflation Expectations

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 05/23

The Effects of Cryptocurrency Wealth on Household Consumption and Investment

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, Alex Chinco, 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

Works in Progress

The Welfare Gains to Increased Consumer Credit

With Bronson Argyle, Spencer Couts, and Ben Iverson