356:(Department of Economics). Here, he explores how aging affects financial sophistication and decision-making. In this study, it was highlighted that financial mistakes are common among consumers, especially older adults. By analyzing a proprietary database, the researchers found that financial mistakes follow a U-shaped pattern, with middle-aged adults making the fewest mistakes. The study discusses various regulatory regimes that could help individuals avoid financial errors, focusing on disclosure, nudges, financial driving licenses, advanced directives, fiduciaries, and asset safe harbors. Agarwal's work in this area underscores the need for regulations that consider the cognitive decline in older adults, influencing policies around consumer financial products.
367:(CEPR), and André F. Silva and Carlo Wix, Agarwal has investigated the redistribution effects of credit card rewards programs, examining how different consumer segments are affected by these incentives. The study finds that sophisticated consumers, regardless of income, benefit from reward cards, while naive consumers end up paying higher costs. This is due to reward cards encouraging more spending, which can lead to higher unpaid balances for naive consumers who follow sub-optimal repayment strategies. Banks incentivize the use of reward cards by offering lower interest rates. The study estimates an annual redistribution of $ 15 billion from less educated to more educated, poorer to richer, and high to low minority areas, exacerbating existing disparities.
394:(HAMP) in "Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program" assesses the effectiveness of government interventions in mortgage modifications and their role in mitigating foreclosures during the housing crisis. Moreover, his study "Optimal Mortgage Refinancing: A Closed Form Solution" offers insights into the decision-making process behind mortgage refinancing.
22:
291:, has been published in top academic journals and has influenced policy decisions worldwide. He has received several awards for his research at NUS, including the institution's Outstanding Researcher Award. His work often explores how government policies can protect socially disadvantaged individuals and improve public welfare.
374:
provides evidence on how regulatory interventions can influence consumer behavior and market outcomes, and how regulation can protect consumers, especially those with subprime credit. His work showed how the positive impact brought by the CARD Act, such as the reduction in overall borrowing costs,
82:
404:
Agarwal has examined the social and environmental impacts of financial practices. In "Disguised
Pollution: Industrial Activities in the Dark," he investigates how firms may obscure their environmental impact, particularly in relation to air pollution in
371:
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Additionally, his research on mobile payments and their impact on economic activities and business creation in
Singapore demonstrates how technological advancements are reshaping small business growth and consumer behavior.
378:
Agarwal and a team of researchers have investigated the real-world impacts of mobile payment technologies, big data and machine learning. Their work explores how big data and machine learning are revolutionizing
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at NUS in July 2022, when the institute was launched as an intelligence hub for the region's sustainable finance community. He is also the
President of Asian Bureau of Finance and Economic Research.
265:. Disillusioned by the lack of response to his warnings about the risks, he left the banking industry and joined the Federal Reserve, where he played a significant role in addressing the crisis.
397:
Research such as "Mortgage Debt, Hand-to-Mouth
Households, and Monetary Policy Transmission" investigates the impact of an unexpected interest rate decrease on credit card spending behavior in
409:. This research highlights the intersection of finance, regulation, and environmental policy, showcasing the broader implications of financial decisions on society and the environment.
401:. The study sheds light on how macroeconomic policies, like changes in interest rates, affect household consumption and debt decisions, particularly among those with limited liquidity.
257:
Agarwal began his career in the financial sector, where he held the position of senior vice president and credit risk management executive in the Small
Business Risk Solutions Group of
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340:
One of
Agarwal's research works is a study on the financial decision-making process over the life cycle, done together with John C. Driscoll from the board of governors of the
375:
especially for consumers with lower credit scores, due to regulatory limits on credit card fees. The CARD Act is estimated to have saved consumers $ 11.9 billion per year.
218:, moved the family to Tanzania and later Uganda. These early experiences influenced his later academic and professional focus on economic policy and consumer protection.
937:
272:, he focused on banking malpractices and consumer protection, helping to shape policies aimed at regulating the financial sector and protecting consumers.
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Agarwal has also studied the effects of financial regulation on consumer behavior, particularly in the context of credit cards. His research on the
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is an Indian academic who is the Low Tuck Kwong
Distinguished Professor of Finance and a professor of Economics and Real Estate at the
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214:, and spent the first six years of his life there before moving to Africa with his family. His father, an economist working for the
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He currently serves as a Low Tuck Kwong
Distinguished Professor of Finance and a professor of Economics and Real Estate at the
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752:"Nudges from school children and electricity conservation: Evidence from the "Project Carbon Zero" campaign in Singapore"
360:
902:
727:"Environmental regulation as a double-edged sword for housing markets: Evidence from the NOx budget trading program"
1184:
Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; Chomsisengphet, Souphala; Piskorski, Tomasz; Seru, Amit (2012).
450:
796:
As of August 2024, Agarwal has published 226 scholarly papers in economics and finance journals among others.
938:"NUS honours nine outstanding individuals for exceptional contributions to education, research and service"
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NUS honours nine outstanding individuals for exceptional contributions to education, research and service
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261:. During this time, he was involved in creating high-risk financial products that contributed to the
242:
1421:
469:"Consumption response to a natural disaster: Evidence of price and income shocks from Chennai flood"
1186:"Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program"
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1116:"Fintech and Credit Scoring for the Millennials: Evidence using Mobile and Social Footprints"
1011:"The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation"
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302:. There, he conducted research studies focusing on various issues, including the impact of
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871:"How I got here... National University of Singapore green finance academic Sumit Agarwal"
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After completing his secondary education at a boarding school in India, he moved to the
380:
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1219:
Agarwal, Sumit; Deng, Yongheng; Gu, Quanlin; He, Jia; Qian, Wenlan; Ren, Yuan (2018).
81:
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1149:
Agarwal, Sumit; Qian, Wenlan; Ren, Yuan; Tsai, Hsin-Tien; Yeung, Bernard Yin (2020).
1079:
Agarwal, Sumit; Chomsisengphet, Souphala; Mahoney, Neale; Stroebel, Johannes (2013).
349:
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From 2016 to 2018, Agarwal was also a professor of finance at the
Business School in
288:
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652:"Impact of transboundary air pollution on service quality and consumer satisfaction"
51:
594:"Public media campaign and energy conservation: A natural experiment in Singapore"
559:
544:"Long-term effects of air pollution on Singapore's national university admissions"
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518:
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702:"The impact of transboundary haze pollution on household utilities consumption"
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569:"The effects of policy announcement, prices and subsidies on water consumption"
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at NUS, as well as
President of Asian Bureau of Finance and Economic Research.
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Agarwal, Sumit; Driscoll, John C.; Gabaix, Xavier; Laibson, David I. (2009).
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Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009
842:
383:, enabling greater financial access for previously underserved populations.
303:
246:
41:
1221:"Mortgage Debt, Hand-to-Mouth Households, and Monetary Policy Transmission"
642:
21:
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1046:"Who Pays For Your Rewards? Cross-Subsidization in the Credit Card Market"
776:
494:"Are environmental punishments good news or bad news? Evidence from China"
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1338:"Winners of the RCFS Awards - RCFS News - Society for Financial Studies"
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Agarwal, Sumit; Presbitero, Andrea; Silva, André F.; Wix, Carlo (2022).
1022:
816:"NUS Sustainable and Green Finance Institute celebrates official launch"
777:"Blessing in disguise? Environmental shocks and performance enhancement"
456:
2024-2022 Research.com - Economics and Finance in Singapore Leader Award
1439:
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1080:
1010:
820:
NUS Sustainable and Green Finance Institute celebrates official launch
1151:"The Real Impact of FinTech: Evidence from Mobile Payment Technology"
1081:"Regulating Consumer Financial Products: Evidence from Credit Cards"
961:
1114:
Agarwal, Sumit; Alok, Shashwat; Ghosh, Pulak; Gupta, Sudip (2019).
439:- Review of Corporate Finance Studies, Best Paper Award ($ 10,000)
406:
398:
313:(NUS). Agarwal was appointed as the founding managing director of
211:
178:
15:
677:"Impact of temperature on morbidity: New evidence from China"
1360:"UWM Alumni Association announces 2017 Alumni Award winners"
617:
Agarwal, S.; Araral, E.; Fan, M.; Yu, Q.; Zheng, H. (2022).
567:
Agarwal, S.; Araral, E.; Fan, M.; Yu, Q.; Zheng, H. (2023).
750:
Agarwal, S.; Rengarajan, S.; Sing, T. F.; Yang, Y. (2017).
1440:"Best Scientists - Economics and Finance | Sumit Agarwal"
422:- J. Walter Elliot Award for Excellence in Macroeconomics
1256:"Disguised Pollution: Industrial Activities in the Dark"
519:"Disguised pollution: industrial activities in the dark"
675:
Agarwal, S.; Yu, Q.; Shi, L.; Wei, G.; Zhu, H. (2021).
275:
In 2012, Agarwal transitioned to academia, joining the
46:
36:
1468:
Academic staff of the National University of Singapore
492:
Agarwal, S.; Ding, Y.H.; Kuang, W.D.; Zhu, X. (2023).
1422:"Best Economics and Finance Scientists in Singapore"
210:Agarwal was born in a small town in Uttar Pradesh,
173:
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124:
113:
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88:
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432:University Outstanding Researcher Award ($ 15,000)
425:2012 Red Rock Finance Conference, Best Paper Award
731:Journal of Environmental Economics and Management
681:Journal of Environmental Economics and Management
619:"Water conservation through plumbing and nudging"
498:Journal of Environmental Economics and Management
279:(NUS) as a professor. His research, which spans
517:Agarwal, S.; Han, Y.; Qin, Y.; Zhu, H. (2023).
325:Agarwal has made contributions to the areas of
200:Sustainable and Green Finance Institute (SGFIN)
1254:Agarwal, Sumit; Qin, Yu; Zhu, Hongjia (2019).
542:Agarwal, S.; Tan, P.L.; Tan-Soo, J.S. (2023).
903:"It Changed My Life: From banker to bank cop"
781:Journal of Economic Behavior and Organization
656:Journal of Economic Behavior and Organization
592:Agarwal, S.; Sing, T.F.; Sultana, M. (2022).
8:
700:Agarwal, S.; Sing, T. F.; Yang, Y. (2020).
467:Agarwal, S.; Ghosh, P.; Zheng, H. (2024).
306:on unemployment and its broader benefits.
100:Low Tuck Kwong Distinguished Professorship
80:
69:
1473:University of Wisconsin–Milwaukee alumni
775:Agarwal, S.; Wang, L.; Yang, Z. (2018).
650:Agarwal, S.; Long, W.; Yang, Y. (2021).
446:- Distinguished Alumni Achievement Award
804:
315:Sustainable and Green Finance Institute
268:As a senior financial economist at the
198:(NUS). He is also managing director of
725:Agarwal, S.; Deng, Y.; Li, T. (2019).
453:- Excellence in Refereeing Award 2017
359:Together with Andrea Presbitero from
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392:Home Affordable Modification Program
365:Centre for Economic Policy Research
1314:"Red Rock Finance Conference 2024"
962:"National University of Singapore"
225:to pursue higher education at the
14:
444:University of Wisconsin–Milwaukee
420:University of Wisconsin–Milwaukee
237:. He later went on to complete a
227:University of Wisconsin–Milwaukee
131:University of Wisconsin–Milwaukee
118:University of Wisconsin–Milwaukee
430:National University of Singapore
311:National University of Singapore
277:National University of Singapore
196:National University of Singapore
146:National University of Singapore
20:
1318:BYU Marriott School of Business
270:Federal Reserve Bank of Chicago
1:
869:Lee, Gabrielle (2023-07-18).
560:10.1080/13504851.2023.2177586
535:10.1016/j.jpubeco.2023.104904
437:Society for Financial Studies
901:Wong, Kim Hoh (2016-09-04).
768:10.1016/j.eneco.2016.10.014
718:10.1016/j.eneco.2019.104591
610:10.1016/j.eneco.2022.106281
523:Journal of Public Economics
485:10.1016/j.eneco.2024.107323
361:International Monetary Fund
1489:
1388:AEA Papers and Proceedings
1384:"American Economic Review"
743:10.1016/j.jeem.2019.06.006
693:10.1016/j.jeem.2021.102495
668:10.1016/j.jebo.2021.10.002
635:10.1038/s41562-022-01320-y
585:10.1038/s44221-023-00028-1
510:10.1016/j.jeem.2023.102847
263:2007–2008 financial crisis
989:"Authors | Sumit Agarwal"
548:Applied Economics Letters
169:
104:
79:
843:"ABFER Exco and Council"
451:American Economic Review
206:Early life and education
1394:: 636–651. 2018-05-01.
1260:SSRN Electronic Journal
1225:SSRN Electronic Journal
1190:SSRN Electronic Journal
1155:SSRN Electronic Journal
1120:SSRN Electronic Journal
1085:SSRN Electronic Journal
1050:SSRN Electronic Journal
1015:SSRN Electronic Journal
35:, as no other articles
623:Nature Human Behaviour
390:Agarwal's work on the
342:Federal Reserve System
229:. He graduated with a
1400:10.1257/pandp.108.636
461:Selected publications
335:real estate economics
296:Georgetown University
164:Real estate economics
1268:10.2139/ssrn.3359404
1233:10.2139/ssrn.3298878
1198:10.2139/ssrn.2138314
1163:10.2139/ssrn.3556340
1128:10.2139/ssrn.3507827
1093:10.2139/ssrn.2330942
1058:10.2139/ssrn.4126641
966:discovery.nus.edu.sg
789:10.2139/ssrn.3218812
281:behavioral economics
243:Doctor of Philosophy
120:(Ph.D. in Economics)
1023:10.2139/ssrn.973790
327:financial economics
231:Bachelor of Science
156:Financial Economics
109:Academic background
1358:Milwaukee, Urban.
413:Awards and honours
354:Harvard University
54:for suggestions.
44:to this page from
907:The Straits Times
554:(13): 1178–1183.
331:corporate finance
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160:Corporate Finance
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1367:. Retrieved
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