Welcome!

I am currently a Postdoctoral Scholar at Stanford Graduate School of Business under the supervision of Prof. Annamaria Lusardi. I am recently elected as a fellow to Stanford Impact Labs. I was previously affiliated with the Financial Inclusion Through Interoperability Initiative at Toulouse School of Economics. I obtained a Ph.D. in Economics from the University of California, Santa Barbara in 2022.

My research on household and development finance investigates why borrowers make their repayments suboptimally, what type of consumer protection policies are effective in restoring rational choice, and why unbanked consumers and merchants fail to adopt digital wallets in a developing country context.

In another line of theory-oriented research, I test how people with misspecified mental models learn their environment and identify mental accounting from choice data using revealed preference methods.

Find my CV here. 

Feel free to send me an email: ozyilmaz@stanford.edu