Jonathan Zinman
Professor of Economics

Dad to Elias, Ella, and Irena
Husband of Mary K. Coffey
"JZ" to grad school classmates, colleagues

Department of Economics
314 Rockefeller Hall
Dartmouth College
Hanover, NH 03755-3514
Cell: (603) 667-5068
Fax: (603) 646-2122

Some other affiliations/positions:
Scientific Director, IPA's U.S. Household Finance Initiative
Research Affiliate/Associate, J-PAL, NBER
Member, inaugural Consumer Advisory Board to the Consumer Financial Protection Bureau

Household Finance
Behavioral Economics
Law and Economics
other keywords describing my research and its applications: consumer finance, microfinance,
retail finance, retail payments, small business finance, intertermporal choice, decision making, psychology and economics

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Working Papers (most titles should be clickable)

Borrowing High vs. Borrowing Higher: Price Dispersion and Shopping Behavior in the U.S. Credit Card Market (March 2015)
revised and resubmitted, Review of Financial Studies, with Victor Stango

Pecuniary Costs of Bounded Rationality: Evidence from Credit Card Debt Allocation (March 2015), with Victor Stango

Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey (January 2015)
with Sule Alan, Mehmet Cemalc─▒lar, and Dean Karlan

Wintertime for Deceptive Advertising? (December 2014, previous title: "Snowed: Deceptive Advertising by Ski Resorts")
revise and resubmit (round 2), American Economic Journal: Applied
, with Eric Zitzewitz

A Personal Touch: Text Messaging for Loan Repayment
revised and resubmitted, Behavioral Science and Policy, with Dean Karlan and Melanie Morten

Long-Run Price Elasticities of Demand for Microcredit: Evidence from a Countrywide Field Experiment in Mexico
revise and resubmit, Review of Economic Studies, with Dean Karlan

Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock (November 2014)
revise and resubmit, Journal of Development Economics, with Dean Karlan and Adam Osman

Price and Control Elasticities of Demand for Savings (December 2014)
with Dean Karlan

Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs (May 2014)
with Julian Jamison and Dean Karlan

Archived Working Papers
Household Borrowing High and Lending Low Under No-Arbitrage (2007)

Consumer Homing on Payment Cards: From Theory to Measurement, with Chris Snyder (2007)

The Impact of Liquidity on Household Balance Sheets: Micro Responses to a Credit Card Supply Shock (2003)