Details about Jonathan Zinman
Access statistics for papers by Jonathan Zinman.
Last updated 2025-04-24. Update your information in the RePEc Author Service.
Short-id: pzi83
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Working Papers
2025
- Working it out: Randomized Modification and Entrepreneurial Effort in a Collateralized Debt Market
NBER Working Papers, National Bureau of Economic Research, Inc 
2024
- Bad Luck or Bad Decisions? Macroeconomic Implications of Persistent Heterogeneity in Cognitive Skills and Overconfidence
Discussion Papers of DIW Berlin, DIW Berlin, German Institute for Economic Research View citations (4)
- Beyond Bad Luck: Macroeconomic Implications of Persistent Heterogeneity In Optimism
NBER Working Papers, National Bureau of Economic Research, Inc View citations (4)
2022
- Randomization for Causality, Ethnography for Mechanisms: Illiquid Savings for Liquor in an Autarkic Society
CEPR Discussion Papers, C.E.P.R. Discussion Papers
Also in NBER Working Papers, National Bureau of Economic Research, Inc (2021) View citations (1)
2021
- Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending
NBER Working Papers, National Bureau of Economic Research, Inc View citations (14)
See also Journal Article Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending, The Review of Economic Studies, Review of Economic Studies Ltd (2022) View citations (15) (2022)
- Does lasting behavior change require knowledge change? Evidence from savings interventions for young adults
Discussion Papers, University of Exeter, Department of Economics
Also in CEPR Discussion Papers, C.E.P.R. Discussion Papers (2020) View citations (12)
2020
- Behavioral Biases are Temporally Stable
NBER Working Papers, National Bureau of Economic Research, Inc View citations (6)
- Consumer Protection for Financial Inclusion in Low and Middle Income Countries: Bridging Regulator and Academic Perspectives
NBER Working Papers, National Bureau of Economic Research, Inc View citations (2)
Also in CEPR Discussion Papers, C.E.P.R. Discussion Papers (2020) View citations (2)
See also Journal Article Consumer Protection for Financial Inclusion in Low- and Middle-Income Countries: Bridging Regulator and Academic Perspectives, Annual Review of Financial Economics, Annual Reviews (2021) View citations (18) (2021)
- Five-Year Impacts of Group-Based Financial Education and Savings Promotion for Ugandan Youth
NBER Working Papers, National Bureau of Economic Research, Inc View citations (6)
- We are all Behavioral, More or Less: A Taxonomy of Consumer Decision Making
NBER Working Papers, National Bureau of Economic Research, Inc View citations (8)
See also Journal Article We Are All Behavioural, More, or Less: A Taxonomy of Consumer Decision-Making, The Review of Economic Studies, Review of Economic Studies Ltd (2023) View citations (14) (2023)
2019
- Credit Building or Credit Crumbling? A Credit Builder Loan’s Effects on Consumer Behavior, Credit Scores and Their Predictive
CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (3)
- Credit Building or Credit Crumbling? A Credit Builder Loan’s Effects on Consumer Behavior, Credit Scores and Their Predictive Power
NBER Working Papers, National Bureau of Economic Research, Inc View citations (1)
- We Are All Behavioral, More or Less: Measuring and Using Consumer-Level Behavioral Sufficient Statistics
Working Papers, Federal Reserve Bank of Philadelphia View citations (13)
Also in NBER Working Papers, National Bureau of Economic Research, Inc (2019) View citations (14)
2018
- Dangers of a Double-Bottom Line: A Poverty Targeting Experiment Misses Both Targets
CEPR Discussion Papers, C.E.P.R. Discussion Papers
Also in NBER Working Papers, National Bureau of Economic Research, Inc (2018)
- Quicksand or Bedrock for Behavioral Economics? Assessing Foundational Empirical Questions
Working Papers, University of Michigan, Michigan Retirement Research Center
Also in NBER Working Papers, National Bureau of Economic Research, Inc (2017) View citations (4)
2017
- Redefine Statistical Significance
Artefactual Field Experiments, The Field Experiments Website View citations (13)
See also Journal Article Redefine statistical significance, Nature Human Behaviour, Nature (2018) View citations (101) (2018)
- The Quest for Parsimony in Behavioral Economics: New Methods and Evidence on Three Fronts
NBER Working Papers, National Bureau of Economic Research, Inc View citations (11)
2016
- Research and Impacts of Digital Financial Services
NBER Working Papers, National Bureau of Economic Research, Inc View citations (41)
Also in Working Paper Series, Harvard University, John F. Kennedy School of Government (2016) View citations (38)
2015
- Referrals: peer screening and enforcement in a consumer credit field experiment
LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library View citations (10)
Also in NBER Working Papers, National Bureau of Economic Research, Inc (2012) View citations (2)
See also Journal Article Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment, American Economic Journal: Microeconomics, American Economic Association (2015) View citations (12) (2015)
- Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey
CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (6)
Also in NBER Working Papers, National Bureau of Economic Research, Inc (2015) View citations (6)
Center Discussion Papers, Yale University, Economic Growth Center (2015) View citations (6)
Working Papers, Economic Growth Center, Yale University (2015) View citations (6)
2014
- Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training
CESifo Working Paper Series, CESifo View citations (5)
Also in IZA Discussion Papers, Institute of Labor Economics (IZA) (2014) View citations (5)
NBER Working Papers, National Bureau of Economic Research, Inc (2012) View citations (16)
CEPR Discussion Papers, C.E.P.R. Discussion Papers (2012) View citations (16)
See also Journal Article Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training, American Economic Journal: Economic Policy, American Economic Association (2015) View citations (81) (2015)
- Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs
Working Papers, Yale University, Department of Economics View citations (37)
Also in Working Papers, Economic Growth Center, Yale University (2014) View citations (36)
CEPR Discussion Papers, C.E.P.R. Discussion Papers (2014) View citations (36)
Center Discussion Papers, Yale University, Economic Growth Center (2014) View citations (35)
NBER Working Papers, National Bureau of Economic Research, Inc (2014) View citations (36)
- Household Debt: Facts, Puzzles, Theories, and Policies
NBER Working Papers, National Bureau of Economic Research, Inc View citations (9)
See also Journal Article Household Debt: Facts, Puzzles, Theories, and Policies, Annual Review of Economics, Annual Reviews (2015) View citations (58) (2015)
- Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco
NBER Working Papers, National Bureau of Economic Research, Inc View citations (6)
Also in CEPR Discussion Papers, C.E.P.R. Discussion Papers (2014) View citations (6)
See also Journal Article Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco, American Economic Journal: Applied Economics, American Economic Association (2015) View citations (223) (2015)
- Savings By and For the Poor: A Research Review and Agenda
WIDER Working Paper Series, World Institute for Development Economic Research (UNU-WIDER) View citations (193)
Also in Working Papers, Yale University, Department of Economics (2013) View citations (20)
Center Discussion Papers, Yale University, Economic Growth Center (2013) View citations (20)
Working Papers, Economic Growth Center, Yale University (2013) View citations (16)
See also Journal Article Savings by and for the Poor: A Research Review and Agenda, Review of Income and Wealth, International Association for Research in Income and Wealth (2014) View citations (205) (2014)
2013
- (Ineffective) messages to encourage recycling: evidence from a randomized evaluation in Peru
Policy Research Working Paper Series, The World Bank View citations (7)
See also Journal Article (Ineffective) Messages to Encourage Recycling: Evidence from a Randomized Evaluation in Peru, The World Bank Economic Review, World Bank (2015) View citations (10) (2015)
- Borrowing High vs. Borrowing Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs
NBER Working Papers, National Bureau of Economic Research, Inc View citations (10)
- Consumer Credit: Too Much or Too Little (or Just Right)?
NBER Working Papers, National Bureau of Economic Research, Inc View citations (2)
See also Journal Article Consumer Credit: Too Much or Too Little (or Just Right)?, The Journal of Legal Studies, University of Chicago Press (2014) View citations (26) (2014)
- Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock
NBER Working Papers, National Bureau of Economic Research, Inc View citations (5)
Also in Working Papers, Yale University, Department of Economics (2013) View citations (5)
CEPR Discussion Papers, C.E.P.R. Discussion Papers (2013) View citations (5)
Working Papers, Economic Growth Center, Yale University (2013) View citations (6)
Center Discussion Papers, Yale University, Economic Growth Center (2013) View citations (5)
- Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico
NBER Working Papers, National Bureau of Economic Research, Inc View citations (7)
Also in Center Discussion Papers, Yale University, Economic Growth Center (2013) View citations (7)
Working Papers, Yale University, Department of Economics (2013) View citations (7)
Working Papers, Economic Growth Center, Yale University (2013) View citations (7)
CEPR Discussion Papers, C.E.P.R. Discussion Papers (2013) View citations (7)
See also Journal Article Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico, The Review of Economic Studies, Review of Economic Studies Ltd (2019) View citations (13) (2019)
- Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico-Working Paper 331
Working Papers, Center for Global Development View citations (7)
- Savings by and for the Poor: A Research Review and Agenda-Working Paper 346
Working Papers, Center for Global Development View citations (17)
- Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco
NBER Working Papers, National Bureau of Economic Research, Inc View citations (54)
Also in CEPR Discussion Papers, C.E.P.R. Discussion Papers (2013) View citations (54)
IZA Discussion Papers, Institute of Labor Economics (IZA) (2013) View citations (50)
Center Discussion Papers, Yale University, Economic Growth Center (2013) View citations (54)
Working Papers, Economic Growth Center, Yale University (2013) View citations (54)
Working Papers, Yale University, Department of Economics (2013) View citations (53)
- Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco-Working Paper 330
Working Papers, Center for Global Development View citations (49)
2012
- A Personal Touch: Text Messaging for Loan Repayment
Working Papers, Economic Growth Center, Yale University View citations (21)
Also in NBER Working Papers, National Bureau of Economic Research, Inc (2012) View citations (21)
Working Papers, Yale University, Department of Economics (2012) View citations (30)
Center Discussion Papers, Yale University, Economic Growth Center (2012) View citations (21)
- Borrow Less Tomorrow: Behavioral Approaches to Debt Reduction
Working Papers, Center for Retirement Research at Boston College, Center for Retirement Research View citations (12)
- Wintertime for Deceptive Advertising?
NBER Working Papers, National Bureau of Economic Research, Inc View citations (2)
See also Journal Article Wintertime for Deceptive Advertising?, American Economic Journal: Applied Economics, American Economic Association (2016) View citations (15) (2016)
- You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment
Working Papers, Economic Growth Center, Yale University View citations (1)
Also in Working Papers, Yale University, Department of Economics (2012) View citations (1)
Center Discussion Papers, Yale University, Economic Growth Center (2012) View citations (1)
CEPR Discussion Papers, C.E.P.R. Discussion Papers (2012) View citations (1)
2011
- Being Surveyed Can Change Later Behavior and Related Parameter Estimates
Scholarly Articles, Harvard University Department of Economics View citations (65)
- Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees
NBER Working Papers, National Bureau of Economic Research, Inc View citations (26)
Also in Working Papers, Federal Reserve Bank of Philadelphia (2011) View citations (35)
See also Journal Article Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees, The Review of Financial Studies, Society for Financial Studies (2014) View citations (116) (2014)
- List Randomization for Sensitive Behavior: An Application for Measuring Use of Loan Proceeds
NBER Working Papers, National Bureau of Economic Research, Inc View citations (3)
See also Journal Article List randomization for sensitive behavior: An application for measuring use of loan proceeds, Journal of Development Economics, Elsevier (2012) View citations (88) (2012)
2010
- Getting to the Top of Mind: How Reminders Increase Saving
Center Discussion Papers, Yale University, Economic Growth Center View citations (91)
Also in Working Papers, eSocialSciences (2010) View citations (30)
Working Papers, Yale University, Department of Economics (2010) View citations (100)
Working Papers, Center for Retirement Research at Boston College, Center for Retirement Research (2010) View citations (84)
NBER Working Papers, National Bureau of Economic Research, Inc (2010) View citations (89)
CEPR Discussion Papers, C.E.P.R. Discussion Papers (2010) View citations (89)
Working Papers, Economic Growth Center, Yale University (2010) View citations (88)
2009
- Expanding Microenterprise Credit Access: Randomized Supply Decisions to Estimate the Impacts in Manila
Working Papers, Yale University, Department of Economics View citations (110)
- Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila
Center Discussion Papers, Yale University, Economic Growth Center View citations (82)
Also in CEPR Discussion Papers, C.E.P.R. Discussion Papers (2009) View citations (105)
Working Papers, Economic Growth Center, Yale University (2009) View citations (120)
- Put your money where your butt is: a commitment contract for smoking cessation
Policy Research Working Paper Series, The World Bank View citations (10)
See also Journal Article Put Your Money Where Your Butt Is: A Commitment Contract for Smoking Cessation, American Economic Journal: Applied Economics, American Economic Association (2010) View citations (223) (2010)
- What's Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment
Center Discussion Papers, Yale University, Economic Growth Center View citations (11)
Also in Working Papers, Economic Growth Center, Yale University (2009) View citations (9)
Working Papers, Yale University, Department of Economics (2009) View citations (17)
See also Journal Article What's Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment, The Quarterly Journal of Economics, President and Fellows of Harvard College (2010) View citations (168) (2010)
2008
- In harm’s way? Payday loan access and military personnel performance
Working Papers, Federal Reserve Bank of Philadelphia View citations (16)
See also Journal Article In Harm's Way? Payday Loan Access and Military Personnel Performance, The Review of Financial Studies, Society for Financial Studies (2014) View citations (36) (2014)
- Restricting consumer credit access: household survey evidence on effects around the Oregon rate cap
Working Papers, Federal Reserve Bank of Philadelphia View citations (5)
See also Journal Article Restricting consumer credit access: Household survey evidence on effects around the Oregon rate cap, Journal of Banking & Finance, Elsevier (2010) View citations (108) (2010)
- Summary of \"Expanding credit access: using randomized supply decisions to estimate the impacts\"
Proceedings, Federal Reserve Bank of Chicago View citations (4)
2007
- Credit Elasticities in Less-Developed Economies: Implications for Microcredit
Working Papers, Center for Global Development View citations (1)
- Credit Elasticities in Less-Developed Economies: Implications for Microfinance
CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (14)
See also Journal Article Credit Elasticities in Less-Developed Economies: Implications for Microfinance, American Economic Review, American Economic Association (2008) View citations (124) (2008)
- Expanding Credit Access: Using Randomized Supply Decisions To Estimate the Impacts
CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (41)
Also in Working Papers, Center for Global Development (2007) View citations (22)
Working Papers, Economic Growth Center, Yale University (2007) View citations (21)
Natural Field Experiments, The Field Experiments Website (2006) View citations (14)
CEPR Discussion Papers, C.E.P.R. Discussion Papers (2007) View citations (29)
Center Discussion Papers, Yale University, Economic Growth Center (2007) View citations (22)
See also Journal Article Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts, The Review of Financial Studies, Society for Financial Studies (2010) View citations (302) (2010)
- Observing Unobservables: Identifying Information Asymmetries with a Consumer Credit Field Experiment
CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (19)
Also in Proceedings, Federal Reserve Bank of Chicago (2005) View citations (10)
Center Discussion Papers, Yale University, Economic Growth Center (2005) View citations (22)
Working Papers, Economic Growth Center, Yale University (2005) View citations (35)
Natural Field Experiments, The Field Experiments Website (2004) View citations (4)
See also Journal Article Observing Unobservables: Identifying Information Asymmetries With a Consumer Credit Field Experiment, Econometrica, Econometric Society (2009) View citations (222) (2009)
- Observing Unobservables: Identifying Information Asymmetries with a Consumer Credit Field Report
Working Papers, Center for Global Development View citations (3)
- Where is the missing credit card debt? Clues and implications
Consumer Finance Institute discussion papers, Federal Reserve Bank of Philadelphia View citations (4)
See also Journal Article WHERE IS THE MISSING CREDIT CARD DEBT? CLUES AND IMPLICATIONS, Review of Income and Wealth, International Association for Research in Income and Wealth (2009) View citations (44) (2009)
2006
- What's psychology worth? A field experiment in the consumer credit market
Natural Field Experiments, The Field Experiments Website View citations (7)
Also in Working Papers, Economic Growth Center, Yale University (2005) View citations (55)
Center Discussion Papers, Yale University, Economic Growth Center (2005) View citations (46)
NBER Working Papers, National Bureau of Economic Research, Inc (2005) View citations (34)
2005
- Elasticities of Demand for Consumer Credit
Working Papers, Economic Growth Center, Yale University View citations (14)
Also in Center Discussion Papers, Yale University, Economic Growth Center (2005) View citations (15)
Natural Field Experiments, The Field Experiments Website (2005) View citations (11)
2004
- Identifying Information Asymmetries: New Methods and Evidence from a Randomized Field Experiment
Econometric Society 2004 North American Summer Meetings, Econometric Society
- Why use debit instead of credit? Consumer choice in a trillion-dollar market
Staff Reports, Federal Reserve Bank of New York View citations (8)
2003
- Public policy - CRA: discussion comments
Proceedings, Federal Reserve Bank of Chicago
2000
- Youth Smoking in the U.S.: Evidence and Implications
NBER Working Papers, National Bureau of Economic Research, Inc View citations (33)
Undated
- Megastudies Improve the Impact of Applied Behavioural Science
Mathematica Policy Research Reports, Mathematica Policy Research
See also Journal Article Megastudies improve the impact of applied behavioural science, Nature, Nature (2021) View citations (27) (2021)
Journal Articles
2023
- Credit Building or Credit Crumbling? A Credit Builder Loan’s Effects on Consumer Behavior and Market Efficiency in the United States
The Review of Financial Studies, 2023, 36, (4), 1585-1620 View citations (1)
- We Are All Behavioural, More, or Less: A Taxonomy of Consumer Decision-Making
The Review of Economic Studies, 2023, 90, (3), 1470-1498 View citations (14)
See also Working Paper We are all Behavioral, More or Less: A Taxonomy of Consumer Decision Making, NBER Working Papers (2020) View citations (8) (2020)
2022
- Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending
The Review of Economic Studies, 2022, 89, (3), 1041-1084 View citations (15)
See also Working Paper Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending, NBER Working Papers (2021) View citations (14) (2021)
2021
- Consumer Protection for Financial Inclusion in Low- and Middle-Income Countries: Bridging Regulator and Academic Perspectives
Annual Review of Financial Economics, 2021, 13, (1), 219-246 View citations (18)
See also Working Paper Consumer Protection for Financial Inclusion in Low and Middle Income Countries: Bridging Regulator and Academic Perspectives, NBER Working Papers (2020) View citations (2) (2020)
- Megastudies improve the impact of applied behavioural science
Nature, 2021, 600, (7889), 478-483 View citations (27)
See also Working Paper Megastudies Improve the Impact of Applied Behavioural Science, Mathematica Policy Research Reports
2020
- Good identification, meet good data
World Development, 2020, 127, (C) View citations (6)
2019
- Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico
The Review of Economic Studies, 2019, 86, (4), 1704-1746 View citations (13)
See also Working Paper Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico, NBER Working Papers (2013) View citations (7) (2013)
2018
- Price and control elasticities of demand for savings
Journal of Development Economics, 2018, 130, (C), 145-159 View citations (13)
- Redefine statistical significance
Nature Human Behaviour, 2018, 2, (1), 6-10 View citations (101)
See also Working Paper Redefine Statistical Significance, Artefactual Field Experiments (2017) View citations (13) (2017)
- Unshrouding: Evidence from Bank Overdrafts in Turkey
Journal of Finance, 2018, 73, (2), 481-522 View citations (12)
2017
- Challenges to Replication and Iteration in Field Experiments: Evidence from Two Direct Mail Shots
American Economic Review, 2017, 107, (5), 462-65 View citations (1)
2016
- Borrowing High versus Borrowing Higher: Price Dispersion and Shopping Behavior in the U.S. Credit Card Market
The Review of Financial Studies, 2016, 29, (4), 979-1006 View citations (38)
- Follow the money not the cash: Comparing methods for identifying consumption and investment responses to a liquidity shock
Journal of Development Economics, 2016, 121, (C), 11-23 View citations (8)
- Wintertime for Deceptive Advertising?
American Economic Journal: Applied Economics, 2016, 8, (1), 177-92 View citations (15)
See also Working Paper Wintertime for Deceptive Advertising?, NBER Working Papers (2012) View citations (2) (2012)
2015
- (Ineffective) Messages to Encourage Recycling: Evidence from a Randomized Evaluation in Peru
The World Bank Economic Review, 2015, 29, (1), 180-206 View citations (10)
See also Working Paper (Ineffective) messages to encourage recycling: evidence from a randomized evaluation in Peru, Policy Research Working Paper Series (2013) View citations (7) (2013)
- Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training
American Economic Journal: Economic Policy, 2015, 7, (2), 125-61 View citations (81)
See also Working Paper Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training, CESifo Working Paper Series (2014) View citations (5) (2014)
- Household Debt: Facts, Puzzles, Theories, and Policies
Annual Review of Economics, 2015, 7, (1), 251-276 View citations (58)
See also Working Paper Household Debt: Facts, Puzzles, Theories, and Policies, NBER Working Papers (2014) View citations (9) (2014)
- Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco
American Economic Journal: Applied Economics, 2015, 7, (1), 151-82 View citations (223)
See also Working Paper Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco, NBER Working Papers (2014) View citations (6) (2014)
- Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment
American Economic Journal: Microeconomics, 2015, 7, (3), 174-204 View citations (12)
See also Working Paper Referrals: peer screening and enforcement in a consumer credit field experiment, LSE Research Online Documents on Economics (2015) View citations (10) (2015)
- Six Randomized Evaluations of Microcredit: Introduction and Further Steps
American Economic Journal: Applied Economics, 2015, 7, (1), 1-21 View citations (379)
2014
- Consumer Credit: Too Much or Too Little (or Just Right)?
The Journal of Legal Studies, 2014, 43, (S2), S209 - S237 View citations (26)
See also Working Paper Consumer Credit: Too Much or Too Little (or Just Right)?, NBER Working Papers (2013) View citations (2) (2013)
- In Harm's Way? Payday Loan Access and Military Personnel Performance
The Review of Financial Studies, 2014, 27, (9), 2805-2840 View citations (36)
See also Working Paper In harm’s way? Payday loan access and military personnel performance, Working Papers (2008) View citations (16) (2008)
- Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees
The Review of Financial Studies, 2014, 27, (4), 990-1030 View citations (116)
See also Working Paper Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees, NBER Working Papers (2011) View citations (26) (2011)
- Savings by and for the Poor: A Research Review and Agenda
Review of Income and Wealth, 2014, 60, (1), 36-78 View citations (205)
See also Working Paper Savings By and For the Poor: A Research Review and Agenda, WIDER Working Paper Series (2014) View citations (193) (2014)
2012
- List randomization for sensitive behavior: An application for measuring use of loan proceeds
Journal of Development Economics, 2012, 98, (1), 71-75 View citations (88)
See also Working Paper List Randomization for Sensitive Behavior: An Application for Measuring Use of Loan Proceeds, NBER Working Papers (2011) View citations (3) (2011)
2011
- Fuzzy Math, Disclosure Regulation, and Market Outcomes: Evidence from Truth-in-Lending Reform
The Review of Financial Studies, 2011, 24, (2), 506-534 View citations (41)
2010
- Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts
The Review of Financial Studies, 2010, 23, (1), 433-464 View citations (302)
See also Working Paper Expanding Credit Access: Using Randomized Supply Decisions To Estimate the Impacts, CEPR Discussion Papers (2007) View citations (41) (2007)
- Put Your Money Where Your Butt Is: A Commitment Contract for Smoking Cessation
American Economic Journal: Applied Economics, 2010, 2, (4), 213-35 View citations (223)
See also Working Paper Put your money where your butt is: a commitment contract for smoking cessation, Policy Research Working Paper Series (2009) View citations (10) (2009)
- Restricting consumer credit access: Household survey evidence on effects around the Oregon rate cap
Journal of Banking & Finance, 2010, 34, (3), 546-556 View citations (108)
See also Working Paper Restricting consumer credit access: household survey evidence on effects around the Oregon rate cap, Working Papers (2008) View citations (5) (2008)
- What's Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment
The Quarterly Journal of Economics, 2010, 125, (1), 263-306 View citations (168)
See also Working Paper What's Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment, Center Discussion Papers (2009) View citations (11) (2009)
2009
- Debit or credit?
Journal of Banking & Finance, 2009, 33, (2), 358-366 View citations (70)
Also in Conference Series ; [Proceedings], 2005 (2005) View citations (7)
- Exponential Growth Bias and Household Finance
Journal of Finance, 2009, 64, (6), 2807-2849 View citations (342)
- Observing Unobservables: Identifying Information Asymmetries With a Consumer Credit Field Experiment
Econometrica, 2009, 77, (6), 1993-2008 View citations (222)
See also Working Paper Observing Unobservables: Identifying Information Asymmetries with a Consumer Credit Field Experiment, CEPR Discussion Papers (2007) View citations (19) (2007)
- WHERE IS THE MISSING CREDIT CARD DEBT? CLUES AND IMPLICATIONS
Review of Income and Wealth, 2009, 55, (2), 249-265 View citations (44)
See also Working Paper Where is the missing credit card debt? Clues and implications, Consumer Finance Institute discussion papers (2007) View citations (4) (2007)
- What Do Consumers Really Pay on Their Checking and Credit Card Accounts? Explicit, Implicit, and Avoidable Costs
American Economic Review, 2009, 99, (2), 424-29 View citations (79)
2008
- Credit Elasticities in Less-Developed Economies: Implications for Microfinance
American Economic Review, 2008, 98, (3), 1040-68 View citations (124)
See also Working Paper Credit Elasticities in Less-Developed Economies: Implications for Microfinance, CEPR Discussion Papers (2007) View citations (14) (2007)
- Lying About Borrowing
Journal of the European Economic Association, 2008, 6, (2-3), 510-521 View citations (49)
Chapters
2001
- Youth Smoking in the United States: Evidence and Implications
A chapter in Risky Behavior among Youths: An Economic Analysis, 2001, pp 69-120 View citations (41)
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