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Publications

Publications

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  • All HBS Web  (120,351)
    • Faculty Publications  (6)

    Show Results For

    • All HBS Web  (120,351)
      • Faculty Publications  (6)

      Williams, Emily Remove Williams, Emily →

      Page 1 of 6 Results
      • 2020
      • Working Paper

      In the Red: Overdrafts, Payday Lending and the Underbanked

      By: Marco Di Maggio, Angela Ma and Emily Williams
      The reordering of transactions from “high-to-low” is a controversial bank practice thought to maximize fees paid by low-income customers on overdrawn accounts. We exploit multiple class-action lawsuits resulting in mandatory changes to this practice, coupled with...  View Details
      Keywords: Overdraft; Payday Loans; Excessive Fees; Underbanked; Underserved; Banks and Banking; Financing and Loans; Customers; Income; Business Processes
      Citation
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      Di Maggio, Marco, Angela Ma, and Emily Williams. "In the Red: Overdrafts, Payday Lending and the Underbanked." NBER Working Paper Series, No. 28242, December 2020.
      • 2020
      • Working Paper

      Costly External Financing and Monetary Policy Transmission: Evidence from a Natural Experiment

      By: Emily Williams
      I provide new evidence that large and small banks have different external financing costs, which generates cross sectional variation in a deposits market pricing power channel of monetary policy transmission. I do so by exploiting a natural experiment using anti-trust...  View Details
      Keywords: External Financing; Monetary Policy Transmission; Experiment; Banks and Banking; Financing and Loans; Interest Rates
      Citation
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      Williams, Emily. "Costly External Financing and Monetary Policy Transmission: Evidence from a Natural Experiment." Working Paper, April 2020.
      • 2020
      • Working Paper

      Heterogeneity in Net-Interest Income Exposure to Interest Rate Risk and Non-Interest Expense Adjustment

      By: Emily Williams
      In this paper I document two new facts. First, bank net-interest margins (NIM) are insensitive to the short rate on average but this masks substantial heterogeneity in the cross section. I find cross sectional variation ranging from a -30bp to +40bp change in one...  View Details
      Keywords: Net Interest Margin (nim); Banks and Banking; Business Model; Interest Rates
      Citation
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      Williams, Emily. "Heterogeneity in Net-Interest Income Exposure to Interest Rate Risk and Non-Interest Expense Adjustment." Working Paper, March 2020.
      • February 2020 (Revised February 2021)
      • Case

      Growing Skoah

      By: Emily McComb and Emily Williams
      Citation
      Educators
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      McComb, Emily, and Emily Williams. "Growing Skoah." Harvard Business School Case 220-062, February 2020. (Revised February 2021.)
      • 2020
      • Working Paper

      Did Technology Contribute to the Housing Boom? Evidence from MERS

      By: Emily Williams and Stefan Lewellen
      We examine the effects of the Mortgage Electronic Registration System, or MERS, on mortgage origination volumes and foreclosure rates prior to the Great Recession. MERS was introduced in the late 1990s and significantly reduced the cost and time associated with...  View Details
      Keywords: Mortgages; Credit; Expansion; Technology; Outcome or Result
      Citation
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      Williams, Emily, and Stefan Lewellen. "Did Technology Contribute to the Housing Boom? Evidence from MERS." Working Paper, February 2020.
      • April 2019
      • Case

      Live Oak Bank

      By: David S. Scharfstein, Emily Williams and Shawn O'Brien
      Citation
      Educators
      Purchase
      Related
      Scharfstein, David S., Emily Williams, and Shawn O'Brien. "Live Oak Bank." Harvard Business School Case 219-103, April 2019.
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