Research Publications and Outputs: Recent submissions
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Defaults, disclosures, advice and calculators: One size does not fit all
Published 2022The effect of regulatory standards regarding the presentation of investment products on financial behavior is poorly understood. In two incentivized online experiments (N = 2,221) we examine the impact of information-based ...Open AccessArticle -
Determinants of Early-Access to Retirement Savings: Lessons from the COVID-19 Pandemic
Published 2023Australian regulations strictly limit early withdrawals from retirement plan accounts. However, in 2020, the Government made otherwise illiquid plan balances temporarily liquid, offering emergency relief during the pandemic. ...Open AccessPreprint -
Regulators vs. markets: Are lending terms influenced by different perceptions of bank risk?
Published 2021In this paper we quantify the differences between market and regulatory assessments of bank portfolio risk, and thereby demonstrate that larger differences significantly reduce corporate lending rates. Specifically, to ...Open AccessArticle -
The Impact of Risk-based Capital Rules for International Lending on Income Inequality: Global Evidence
Published 2021This paper investigates the impact of international bank flows from G10 lender countries on income inequality in 74 borrower countries over 1999-2013. Specifically, we examine the role of international bank flows contingent ...Open AccessArticle -
The value of bank capital buffers in maintaining financial system resilience
Published 2017There is a current controversy concerning the appropriate size of banks’ capital requirements, and the trade-off between the costs and benefits of implementing higher capital requirements. We quantify the size of capital ...Open AccessArticle