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Williams, Emily Remove Williams, Emily →

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  • 2022
  • Working Paper

Buy Now, Pay Later Credit: User Characteristics and Effects on Spending Patterns
By: Marco Di Maggio, Justin Katz and Emily Williams
Firms offering "buy now, pay later" (BNPL) point-of-sale installment loans with minimal underwriting and low interest have captured a growing fraction of the market for short-term unsecured consumer credit. We provide a detailed look into the US BNPL market by...  View Details
Keywords: Household Finance; Fintech; Consumer Credit; Credit; Consumer Behavior
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  • March 2022
  • Teaching Note

Esusu: Solving Homelessness Backwards
By: Marco Di Maggio and Emily Williams
Teaching Note for HBS Case No. 222-023.  View Details
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  • 2021
  • Working Paper

Friends and Family Money: P2P Transfers and Financially Fragile Consumers
By: Tetyana Balyuk and Emily Williams
We assess the impact that real time money transfer technology has on consumer outcomes, particularly during periods of financial fragility. We do this by developing a new data set that documents use of Zelle—the most widely used P2P money transfer technology in the...  View Details
Keywords: P2P Money Transfers; Real Time Payments; Fintech; Finance; Information Technology; Personal Finance; Financial Condition
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  • October 2021 (Revised February 2022)
  • Case

Esusu: Solving Homelessness Backwards
By: Marco Di Maggio, Emily Williams and Eren Kuzucu
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  • September 2021
  • Article

Did Technology Contribute to the Housing Boom? Evidence from MERS
By: Stefan Lewellen and Emily Williams
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: Credit Supply; Housing Boom; Financial Innovation; Nonbank Lenders; Mortgages; Credit; Expansion; Information Technology; Outcome or Result
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  • 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
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  • February 2020 (Revised February 2021)
  • Case

Growing Skoah
By: Emily McComb and Emily Williams
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  • April 2019
  • Case

Live Oak Bank
By: David S. Scharfstein, Emily Williams and Shawn O'Brien
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  • Forthcoming
  • Article

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; Income; Personal Finance; Borrowing and Debt; Banks and Banking
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