Publications
1. Peer-to-Peer Lenders Versus Banks: Substitutes or Complements? 2019, Review of Financial Studies
2. Measuring the Welfare Cost of Asymmetric Information in Consumer Credit Markets, 2022, Journal of Financial Economics
with Anthony A. DeFusco and Constantine Yannelis [STATA package]
– Editor’s Choice, December 2022
– Jensen Prize (second place) for the Best Corporate Finance Paper in JFE 2022
– Best Paper Award at the Red Rock Finance Conference 2021
3. Collateral Effects: The Role of FinTech in Small Business Lending, 2025, Review of Financial Studies
with Paul Beaumont and Eric Vansteenberghe
4. Technological Obsolescence Risk in Household Credit: Evidence from the Transition to Electric Mobility with Jan Bena and Bo Bian
previously circulated as “Financing the Global Shift to Electric Mobility”
Accepted at the Journal of Financial Economics
Working Papers
5. The Value of Privacy: Evidence from Online Borrowers
Revise & Resubmit at the Journal of Finance
– AQR Top Finance Graduate Award
– Best PhD Thesis – French Finance Association
– European Investment Forum Research Prize
Selected conferences: WFA, NBER Innovative Data in Household Finance, NBER SI – IT and Digitization, EFA, SFS Cavalcade, FIRS
6. The Supply and Demand for Data Privacy: Evidence from Mobile Apps with Bo Bian and Xinchen Ma
Revise & Resubmit at the Journal of Political Economy
– Best Paper Award at the Annual Conference in Digital Economics 2022
Selected conferences: SITE, FIRS, EFA, SFS Cavalcade, AEA, CEPR Household Finance Seminar, TSE-Yale Regulating the Digital Economy Workshop
7. Data as a Networked Asset with Bo Bian, Qiushi Huang, and Ye Li
Revise & Resubmit at the Journal of Political Economy
– Best Paper Award at the SAIF Annual Research Conference
– Best Paper Award at the GSU AI and FinTech Conference
Selected conferences: Utah Winter Finance Conference, AFA, FIRS, SFS Cavalcade, UNC/Duke Corporate Finance Conference, RCFS Winter Finance Conference
8. Consumer Surveillance and Financial Fraud with Bo Bian, Michaela Pagel, and Devesh Raval
Selected conferences: WFA, NBER SI – Digital Economics and Artificial Intelligence, NBER SI – Household Finance, FIRS, CFPB Research Conference
9. Breaking the Data Chain: The Ripple Effect of Data Sharing Restrictions on Financial Markets with Simona Abis and Bo Bian
Selected conferences: WFA, Kentucky Finance Conference, NBER SI – Big Data for Financial Economics, ITAM Finance Conference