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Jeremy Tobacman
Assistant Professor of Business and Public Policy


Jeremy Tobacman joined the Wharton School of the University of Pennsylvania as an Assistant Professor in the Summer of 2008. He studies behavioral economics and household finance, in developed and developing country contexts. In a series of papers, Jeremy has found that psychologically-informed models of intertemporal choice help to explain patterns of simultaneous mid-life wealth accumulation and credit card borrowing in the United States. One line of ongoing work investigates why people borrow on payday loans and measures the individual-level effects of access to payday loan credit. A second major continuing project analyzes the design, adoption, and consequences of a retail rainfall insurance product in India. Previously Jeremy was a Postdoctoral Research Fellow at the Department of Economics and Nuffield College, University of Oxford, and he obtained his Ph.D. in Economics from Harvard University.

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Publications
Sumit Agarwal, Paige Marta Skiba, Jeremy Tobacman, Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
Paige Marta Skiba, Jeremy Tobacman, Payday Loans, Uncertainty, and Discounting: Explaining Patterns of Borrowing, Repayment, and Default
Paige Marta Skiba, Jeremy Tobacman, Do Payday Loans Cause Bankruptcy?
David Laibson, Andrea Repetto, Jeremy Tobacman, Estimating Discount Functions with Consumption Choices over the Lifecycle
Martin Browning, Jeremy Tobacman, Discounting and Optimism Equivalences

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Honors And Awards
TIAA-CREF Paul Samuelson Award, Certificate of Excellence, 1998

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Tobacman Jeremy
Jeremy Tobacman
 1459 Steinberg-Dietrich Hall
3620 Locust Walk
Philadelphia, PA 19104
Phone: (215) 898-9450
tobacman@wharton.upenn.edu

Personal Website

Research Interests:
Behavioral economics; development; finance; consumer credit