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Current positions:

    UC Davis Graduate School of Management, Associate Professor, 2010-present

    International Journal of Industrial Organization, Associate Editor, 2004-present


Research interests:


Household finance, retail banking, industrial organization, regulation and antitrust, consumer protection.


Working papers and work in progress:

  • "Is Inattention Rational?" (with Jon Zinman).


Journal publications:
  • "Strategic Incompatibility in ATM Markets," (with Chris Knittel), Journal of Banking and Finance 35(10), October 2011: 2627- 2636.

  • "Fuzzy Math, Disclosure Regulation and Credit Market Outcomes" (with Jon Zinman), Review of Financial Studies 24, January 2011: 506-534.

  • "What Do People Pay on their Checking and Credit Card Accounts? Explicit, Implicit and Avoidable Costs"(with Jon Zinman) American Economic Review Papers and Proceedings 99(2), May 2009: 424-29.

  • "Exponential Growth Bias and Household Finance," (with Jon Zinman), Journal of Finance 64(6), December 2009.

  • "How Does Incompatibility Affect Prices? Evidence from ATMs" (with Chris Knittel), Journal of Industrial Economics 57(3), September 2009.

  • "Incompatibility, Product Attributes and Consumer Welfare Evidence from ATMs" (with Chris Knittel), Advances in Economic Analysis and Policy (B.E. Press) 8:1, Article 1, 2008.

  • "The Causes of Bargaining Failure: Evidence from Major League Baseball" (with Amy Farmer and Paul Pecorino), Journal of Law and Economics XLVII(2), October 2004: 543-568.

  • "Ask Prices, Offers and Time-to-Sale in an Online Exchange" (with Amy Farmer), Economic Inquiry 42(1), January 2004: 14-28.

  • "The Economics of Standards Wars," Review of Network Economics 3(1), March 2004: pp 1-19.

  • "Price Ceilings, Focal Points, and Tacit Collusion: Evidence from Credit Cards" (with Chris Knittel), American Economic Review 93(5), December 2003: 1703-1729.

  • "Strategic Responses to Regulatory Threat in the Credit Card Market," forthcoming October 2003, Journal of Law and Economics XLVI (2), October 2003: 427-452.

  • "Pricing with Consumer Switching Costs: Evidence from the Credit Card Market," Journal of Industrial Economics 50(4), December 2002: 475-492.

  • "Competition and Pricing in the Credit Card Market," Review of Economics and Statistics 82(3), August 2000: 499-508.

  • "Environmental Regulation as an Entry Barrier for Small Manufacturing Establishments: A Longitudinal Examination," Journal of Environmental Economics and Management 40, 2000: 56-75. (with Tom Dean and Robert Brown).

  • "Ranking Graduate Programs by Graduate Publications," Economic Inquiry 38(2), April 2000, 358-367. (with Jeffery T. Collins and Richard G. Cox).

  • "The Tax Reform Act of 1986 and the Composition of Consumer Debt," National Tax Journal LII (4), December 1999, 717-739.


Other papers and publications:
  • "Debit or Credit: How People Choose to Pay" (with Jon Zinman), Research Monograph, Filene Institute, November 2008.
  • "The Economics and Strategy of Standards and Standardization" (with Shane Greenstein), in Scott Shane (ed.), Handbook of Technology and Innovation Management: Blackwell, Oxford, UK 2008.
  • "Outsource or Die," (with Jon Zinman), Research Monograph, Filene Institute, August 2007.
  • "Credit Cards," (with Julian Wright), New Palgrave Dictionary of Economics: MacMillan, Hampshire, UK, 2007.
  • Standards and Public Policy (ed., with Shane Greenstein), Cambridge Press, 2006.
  • "Outsourcing, Firm Size and Product Complexity," (with Yukako Ono), Federal Reserve Bank of Chicago Economic Perspectives, 1st Quarter 2005: 2-11.
  • "Emerging Payment Standards and Public Policy," (with Tom Ciesielski and Carrie Jankowski), Federal Reserve Bank of Chicago Annual Report, 2004.
  • "The Economics of Standards: Public Policy and Market Performance" (with Carrie Jankowski), Federal Reserve Bank of Chicago Fed Letter, August 2004.

Grants and awards:
  • Russell Sage Foundation Grant "Behavioral Biases in Household Finance," 2011-2012.
  • Finalist, UCD GSM Professor of the Year, 2009-2010.
  • National Science Foundation Grant "Information Technology, Outsourcing and Productivity," 2008-2010.   
  • NET Institute Research Grant, Summer 2004, Summer 2006.
  • Filene Institute Research Grant "Outsource or Die," 2006-2007.
  • Filene Institute Research Grant "Payment Choices," 2006-2008.
  • FDIC Research Grant, 2006.
  • Allen H. Keally Teaching Award, University of Tennessee, 1999-2000.
  • Club 6 (High Teaching Evaluations), Haas School, UC Berkeley, 1998.
  • Finalist, Allen H. Keally Teaching Award, University of Tennessee, 1997-98.

Past positions:

    UC Davis Graduate School of Management, Assistant Professor, 2008-2009

    Tuck School of Business (Dartmouth College), Associate Professor, 2004-2008

    Federal Reserve Bank of Chicago, Economist/Senior Economist, 2000-2004

   Federal Reserve Bank of New York, Visiting Senior Economist, 2004

   Booth School of Business (University of Chicago), Adjunct Professor, 2005-2006

   Haas School of Business (UC, Berkeley), Visiting Assistant Professor, 1998

   University of Tennessee, Assistant Professor, 1996-2000