Prior research on social networks and consumer technology usage has used diverse theoretical frameworks to study the extent to which social networks, in their various forms, are related to consumer technology usage. However, the adoption and utilization of these theoretical frameworks has led to...

We study the effects of informal social interactions on academic achievement and behavior using idiosyncratic variation in peer groups stemming from changes in bus routes across elementary, middle, and high school. Our results suggest that student interactions outside the classroom - especially...

We study the effects of informal social interactions on academic achievement and behaviour using idiosyncratic variation in peer groups stemming from changes in bus routes across elementary, middle, and high school. Our results suggest that student interactions outside the classroom—especially...

Household access to financial products is often conditioned on previous use. However, banning access when learning is possible may be discriminatory or counterproductive. The 'experiment' of German reunification (exogenously) offered to East Germans unconditional access to (exogenously)...

Regulation of investor access to financial products is often based on product familiarity indicated by previous use. The underlying premise that lack of familiarity with a product class causes unwarranted participation is difficult to test. This paper uses household-level data from the...