"Financial Education Affects Financial Knowledge and Downstream Behaviors,” with Tim Kaiser, Lukas Menkhoff, and Carly Urban, NBER Working Paper n. 27057, April 2020.

DOI: 10.3386/w27057  |  Download PDF

"Understanding Debt in the Older Population," with Olivia S. Mitchell, and Noemi Oggero, Wharton Pension Research Council Working Paper n. 2020-04, February 2020.

DOI: 10.2139/ssrn.3537858 | Download PDF

"Millennial Mobile Payment Users: A Look Into Their Personal Finances and Financial Behavior," with Andrea Hasler, and Carlo De Bassa Scheresberg, ADBI Working Paper 1074, Asian Development Bank Institute, January 2020.

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"Financial Well-Being of the Millennial Generation: An In-Depth Analysis of Its Drivers and Implications," Report prepared for the Consumer Financial Protection Bureau as part of their Financial Well-Being Research Symposium and GFLEC Working Paper n. WP 2019-5, November 2019.

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"A Method for Evaluating the Quality of Financial Decision Making, with an Application to Financial Education," with Sandro Ambuehl, and B. Douglas Bernheim, NBER Working Paper No. 20618, Issued in October 2014, Revised in November 2017.

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"Financial Literacy and High-Cost Borrowing in the United States,” with Carlo de Bassa Scheresberg, NBER Working Paper n. 18969, April 2013.

DOI: 10.3386/w18969  |  Download PDF

“Americans’ Financial Capability,” Report prepared for the Financial Crisis Inquiry Commission and NBER Working Paper n 17103, June 2011.

DOI: 10.3386/w17103  |  Download PDF

“Where Does Regulation Hurt? Evidence from New Businesses Across Countries,” with Silvia Ardagna, NBER Working Paper n. 14747, February 2009.

DOI: 10.3386/w14747 | Download PDF