Naz Koont

AP in Finance @StanfordGSB • PhD @Columbia

[Stanford Graduate School of Business @StanfordGSB]

Banking has historically been built on face-to-face interactions between bankers and their clients. But as the industry has gone digital, Assistant Professor Naz Koont wonders if we’ve removed something critical from the transaction. #finance https://t.co/XphRJHnrmC

[Kristine Hankins @KWHankins]

🚨 @JCorpFin Call 🚨
Hosted by Bocconi & co-sponsored by CEPR, JCF is thrilled to announce the call for our June 2025 conference on Information, Contracts, and Firms. Keynote: @startupecon

Learn more: https://t.co/o0iWQVfSE2

Please retweet! Deadline in Nov 18!

[NBER @nberpubs]

The impact of digital banking on the value of the deposit franchise and the stability of the banking sector, from @nazkoont, Tano Santos, and @zingales https://t.co/SYDduRlp6x

[Naz Koont @NazKoont]

@lugaricano @StanfordGSB @Columbia Thank you Luis!!

[Naz Koont @NazKoont]

Job market update: I am incredibly excited to share that I will be joining @StanfordGSB as an Assistant Professor of Finance this July!

I am so thankful for the support of my committee and everyone @Columbia, and am really looking forward to this next chapter.

[Naz Koont @NazKoont]

@blevined @lukestein @StanfordGSB @Columbia Thank you Ben!! Looking forward too😁

[Stigler Center @StiglerCenter]

The ease of online banking has big implications for financial stability, argue @Columbia Ph.D. student @NazKoont, @Columbia_Biz's Tano Santos, and our Faculty Director, @ChicagoBooth's @zingales in a new paper. More in @chicagoboothrev, by Andrea Riquier

https://t.co/vB0fITp0zP

[ProMarket @ProMarket_org]

In a piece for the @FT, @StevenKelly49 (@YPFSatYale) mentions @zingales' paper with @NazKoont and Tano Santos on slower-moving “bank walks” in response to changing interest rates and digital apps’ role.

FT: https://t.co/9Tuuo8w0OE

ProMarket article: https://t.co/A1JoYMCFbl

[Naz Koont @NazKoont]

This project was a multi-year journey and I learned so much about banking and IO!

Digitalization will only become more ubiquitous going forward, so I look forward to continue studying these topics

[Naz Koont @NazKoont]

🌟Excited to share my JMP! 📱🏦

Mobile apps and websites are now the leading way customers interact with their banks

…which is a business that traditionally relied on intangible info collection through local branches…

How is this changing the nature of banking?

[Naz Koont @NazKoont]

4. ⬆️ Consumer surplus, but by more for wealthier segments of economy

5. ⬆️ economies of scale in banking, so that profits of small banks ⬇️

Find out why, and more details in the paper:
https://t.co/z9nWjdPff0

[Naz Koont @NazKoont]

Digital banking represents one of the most important structural changes in US banking in recent memory. The implications are not well understood. For more on how this transformation is altering the risks of the banking sector, stay tuned for my job market paper — coming soon!

[Naz Koont @NazKoont]

Excited to share these results on how #digitalbanking is reducing the stickiness of deposits! Important for understanding how this digital transformation alters the potency of monetary policy + implications for banking regulations that are based on the idea of sticky deposits.

[ProMarket @ProMarket_org]

Bank regulators have always assumed bank deposits are ‘sticky,’ but the advent of #digitalbanking is changing that. New research by @zingales (@ChicagoBooth @StiglerCenter), @NazKoont & Tano Santos (@Columbia_Biz) focuses on new dangers of ‘bank walks.’

https://t.co/A1JoYMCFbl

[Zingales @zingales]

Luis is better than me at summarizing the point :). I am glad he recognizes that is important because it is

[Richard H Thaler @R_Thaler]

Interesting thread and blog post. Theme: mobile apps make deposits less sticky. Untraditional but helpful take on “transaction costs”. Need to include clicks, time, and other forms of sludge.

[Luis Garicano 🇪🇺🇺🇦 @lugaricano]

Bank regulators assume that deposits are sticky, meaning they don’t move around much. But digital banking is changing that. New research, described in a blog (link below) by Koont, Santos, Zingales shows how mobile apps make deposits less stable.

[Asli Demirgüç-Kunt @ademirguckunt]

Should we re-think bank regulation in this age of digitalization after the SVB collapse? Very insightful new analysis from ⁦@NazKoont⁩, Tano Santos and ⁦@zingales⁩ #proudmom https://t.co/7av2eCeW7t