I’m an Assistant Professor of Finance at the Kellogg School of Management at Northwestern University.

My research studies how technology reduces barriers to financial inclusion, and the effect of reducing these barriers on households and small businesses. For example, in one paper I find that when the Mexican government distributed debit cards to poor households, this led small retailers to adopt technology to accept card payments and generated spillovers to both small retailers and richer households. My other papers and projects study FinTech, household finance, and small businesses in developing countries.

I’m grateful to the Bill & Melinda Gates Foundation, CEGA-Visa Financial Inclusion Lab, Digital Credit Observatory, Facebook, Fulbright Program, Guthrie Center for Real Estate Research, Innovations for Poverty Action, Inter-American Development Bank, J-PAL, National Science Foundation (doctoral dissertation grant and standard grant), Think Forward Initiative, UN Foundation and USAID for research funding.