John Gathergood

University of Nottingham - School of Economics

Professor of Economics

Sir Clive Granger Building

University Park

Nottingham, NG7 2RD

United Kingdom

http://https://sites.google.com/site/gathergoodjohn/

  • University of Nottingham - School of Economics

SCHOLARLY PAPERS

31

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11,028

SSRN CITATIONS
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SSRN RANKINGS

Top 6,668

in Total Papers Citations

215

CROSSREF CITATIONS

21

Scholarly Papers (31)

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1.

Financial Literacy and Indebtedness: New Evidence for U.K. Consumers

Number of pages: 39 Posted: 27 May 2011
John Gathergood and Richard F. Disney
University of Nottingham - School of Economics and University of Nottingham
Downloads 1,092 (33,910)
Citation 15

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financial literacy, consumer credit, financial education

2.

Work-from-Home and the Risk of Securities Misconduct

European Financial Management, Forthcoming
Number of pages: 47 Posted: 27 Apr 2023
Douglas J. Cumming, Chris Firth, John Gathergood and Neil Stewart
Florida Atlantic University, University of Warwick - Warwick Business School, University of Nottingham - School of Economics and University of Warwick - Warwick Business School
Downloads 993 (38,740)

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securities misconduct, surveillance, fraud, work-from-home, risk management

3.

Levelling Down and the COVID-19 Lockdowns: Uneven Regional Recovery in UK Consumer Spending

Covid Economics 67: 24-52 (2021)
Number of pages: 29 Posted: 08 Mar 2021
John Gathergood, Fabian Gunzinger, Benedict Guttman-Kenney, Edika Quispe-Torreblanca and Neil Stewart
University of Nottingham - School of Economics, University of Oxford - Department of Economics, University of Chicago - Booth School of Business, University of Leeds Business School and University of Warwick - Warwick Business School
Downloads 978 (39,593)
Citation 4

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Consumption, Coronavirus, COVID-19, Household Finance, Lockdowns, Credit Cards, Regional Inequality

4.

Buy Now, Pay Later (BNPL)...On Your Credit Card

Journal of Behavioral & Experimental Finance, 2023.
Number of pages: 28 Posted: 16 Mar 2022 Last Revised: 10 Jan 2023
Benedict Guttman-Kenney, Chris Firth and John Gathergood
University of Chicago - Booth School of Business, University of Warwick - Warwick Business School and University of Nottingham - School of Economics
Downloads 864 (47,110)
Citation 6

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BNPL, buy now pay later, consumer credit, consumer financial protection, credit cards, FinTech, household finance, regulation

5.

How Do Individuals Repay Their Debt? The Balance-Matching Heuristic

Downloads 828 (49,919)
Citation 48

How Do Individuals Repay Their Debt? The Balance-Matching Heuristic

Becker Friedman Institute for Research in Economics Working Paper No. 2018-7
Number of pages: 80 Posted: 18 Jul 2017 Last Revised: 15 Aug 2018
John Gathergood, Neale Mahoney, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, University of Chicago Booth School of Business, Warwick Business School, University of Warwick and University of Exeter Business School - Department of Economics
Downloads 796 (51,889)
Citation 26

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Credit Cards, Consumer Borrowing, Rational Behavior, Balance Matching, Heuristics

How Do Individuals Repay Their Debt? The Balance-Matching Heuristic

NBER Working Paper No. w24161
Number of pages: 81 Posted: 03 Jan 2018 Last Revised: 09 Jul 2023
John Gathergood, Neale Mahoney, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, University of Chicago Booth School of Business, Warwick Business School, University of Warwick and University of Exeter Business School - Department of Economics
Downloads 32 (775,211)
Citation 36

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6.

Self-Control, Financial Literacy & the Co-Holding Puzzle

Journal of Economic Behavior and Organization, Vol. 107, No. Part B, 2014
Number of pages: 29 Posted: 14 Feb 2012 Last Revised: 08 May 2017
John Gathergood and Joerg Weber
University of Nottingham - School of Economics and University of Exeter Business School - Department of Economics
Downloads 758 (56,175)
Citation 13

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Consumer credit; Self-control; Financial literacy

7.

Investor Logins and the Disposition Effect

Number of pages: 106 Posted: 21 Jul 2019 Last Revised: 03 Feb 2022
Edika Quispe-Torreblanca, John Gathergood, George Loewenstein and Neil Stewart
University of Leeds Business School, University of Nottingham - School of Economics, Carnegie Mellon University - Department of Social and Decision Sciences and Warwick Business School, University of Warwick
Downloads 555 (83,780)
Citation 1

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reference point, disposition effect, attention, login, investor behavior

8.

Naïve Buying Diversification and Narrow Framing by Individual Investors

Journal of Finance, Forthcoming
Number of pages: 83 Posted: 21 Oct 2017 Last Revised: 14 Oct 2022
John Gathergood, David A. Hirshleifer, David Leake, Hiroaki Sakaguchi and Neil Stewart
University of Nottingham - School of Economics, Marshall School of Business, USC, Independent, affiliation not provided to SSRN and Warwick Business School, University of Warwick
Downloads 497 (95,882)

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investor behavior, portfolio allocation, naive diversification, narrow framing

9.

Attention Utility: Evidence From Individual Investors

Downloads 444 (110,019)
Citation 1

Attention Utility: Evidence From Individual Investors

Number of pages: 70 Posted: 25 Feb 2020 Last Revised: 11 Sep 2022
Edika Quispe-Torreblanca, John Gathergood, George Loewenstein and Neil Stewart
University of Leeds Business School, University of Nottingham - School of Economics, Carnegie Mellon University - Department of Social and Decision Sciences and Warwick Business School, University of Warwick
Downloads 324 (155,770)
Citation 1

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information utility, attention, investor behavior

Attention Utility: Evidence from Individual Investors

CESifo Working Paper No. 8091
Number of pages: 54 Posted: 14 Feb 2020
Edika Quispe-Torreblanca, John Gathergood, George Loewenstein and Neil Stewart
University of Leeds Business School, University of Nottingham - School of Economics, Carnegie Mellon University - Department of Social and Decision Sciences and University of Warwick - Warwick Business School
Downloads 120 (385,277)

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information utility, attention, login, investor behavior

10.

Self-Control, Financial Literacy and Consumer Over-Indebtedness

Journal of Economic Psychology, Forthcoming
Number of pages: 44 Posted: 27 Jun 2011 Last Revised: 22 Feb 2012
John Gathergood
University of Nottingham - School of Economics
Downloads 426 (115,196)
Citation 45

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over-indebtedness, financial literacy, self-control

11.

How Do Consumers Avoid Penalty Fees? Evidence From Credit Cards

Number of pages: 90 Posted: 01 May 2017 Last Revised: 11 Dec 2019
John Gathergood, Hiroaki Sakaguchi, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, affiliation not provided to SSRN, Warwick Business School, University of Warwick and University of Exeter Business School - Department of Economics
Downloads 356 (141,272)
Citation 1

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credit cards, penalty fees, automatic payments, direct deposit

12.

Financial Literacy, Present Bias and Alternative Mortgage Products

Journal of Banking & Finance, Vol. 78, May 2017, Pages 58–83, doi.org/10.1016/j.jbankfin.2017.01.022.
Number of pages: 50 Posted: 06 Jun 2015 Last Revised: 08 May 2017
John Gathergood and Joerg Weber
University of Nottingham - School of Economics and University of Exeter Business School - Department of Economics
Downloads 311 (163,126)
Citation 14

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Mortgages; Financial literacy; Present bias; Alternative mortgage products

13.

The Red, the Black, and the Plastic: Paying Down Credit Card Debt for Hotels Not Sofas

Quispe Torreblanca E G, Stewart N, Gathergood J, Loewenstein G. The red, the black, and the plastic: paying down credit card debt for hotels not sofas. Management Sci., Forthcoming
Number of pages: 103 Posted: 19 Sep 2017 Last Revised: 10 Feb 2019
Edika Quispe-Torreblanca, Neil Stewart, John Gathergood and George Loewenstein
University of Leeds Business School, Warwick Business School, University of Warwick, University of Nottingham - School of Economics and Carnegie Mellon University - Department of Social and Decision Sciences
Downloads 298 (170,671)
Citation 3

Abstract:

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mental accounting, credit cards, debt repayment

14.

Consumption and Life Satisfaction: A Micro Panel Data Study

Number of pages: 34 Posted: 05 May 2017
Gordon D. A. Brown and John Gathergood
University of Warwick - Department of Psychology and University of Nottingham - School of Economics
Downloads 261 (195,491)
Citation 1

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Life Satisfaction, Consumption, Conspicuous Consumption

15.

The Co-holding Puzzle: New Evidence from Transaction-Level Data

Downloads 223 (229,720)

The Co-holding Puzzle: New Evidence from Transaction-Level Data

Number of pages: 53 Posted: 16 Jun 2020 Last Revised: 03 May 2022
John Gathergood and Arna Olafsson
University of Nottingham - School of Economics and Copenhagen Business School
Downloads 223 (229,059)
Citation 1

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co-holding, credit card puzzle, household finance

The Co-Holding Puzzle: New Evidence from Transaction-Level Data

CEPR Discussion Paper No. DP14799
Number of pages: 50 Posted: 28 May 2020 Last Revised: 22 Sep 2021
John Gathergood and Arna Olafsson
University of Nottingham - School of Economics and Copenhagen Business School
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co-holding, credit card puzzle, household finance

16.

Debt and Depression: Evidence on Causal Links and Social Stigma Effects

Number of pages: 33 Posted: 05 Sep 2011
John Gathergood
University of Nottingham - School of Economics
Downloads 195 (257,661)
Citation 1

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debt, over-indebtedness, depression, reference group effects

17.

Financial Literacy: A Barrier to Home Ownership for the Young?

Journal of Urban Economics, Vol. 99, May 2017, pp. 62-78, doi.org/10.1016/j.jue.2017.02.001
Number of pages: 40 Posted: 11 Sep 2015 Last Revised: 08 May 2017
John Gathergood and Joerg Weber
University of Nottingham - School of Economics and University of Exeter Business School - Department of Economics
Downloads 169 (292,269)
Citation 3

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Home ownership; Financial literacy; Mortgages; Household finance

18.

Covid, Work-from-Home, and Securities Misconduct

Number of pages: 35 Posted: 25 Oct 2021 Last Revised: 18 Jan 2022
Douglas J. Cumming, Chris Firth, John Gathergood and Neil Stewart
Florida Atlantic University, University of Warwick - Warwick Business School, University of Nottingham - School of Economics and University of Warwick - Warwick Business School
Downloads 166 (296,681)
Citation 1

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Market Manipulation, Trading, Surveillance, Securities Regulation

19.

Relative Rank and Life Satisfaction: Evidence from US Households

Number of pages: 39 Posted: 07 Feb 2017
Gordon D. A. Brown, John Gathergood and Joerg Weber
University of Warwick - Department of Psychology, University of Nottingham - School of Economics and University of Exeter Business School - Department of Economics
Downloads 166 (296,681)
Citation 2

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relative rank, social comparison, life satisfaction, income inequality

20.

House Prices, Wealth Effects and Labour Supply

Downloads 165 (298,213)
Citation 10

House Prices, Wealth Effects and Labour Supply

CFS Working Paper, No. 556
Number of pages: 49 Posted: 14 Nov 2016 Last Revised: 11 Jan 2018
Richard F. Disney and John Gathergood
University of Nottingham and University of Nottingham - School of Economics
Downloads 110 (410,838)
Citation 4

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Labour supply, Wealth effects, House prices

House Prices, Wealth Effects and Labour Supply

Number of pages: 38 Posted: 20 Jul 2013
Richard F. Disney and John Gathergood
University of Nottingham and University of Nottingham - School of Economics
Downloads 55 (622,571)
Citation 6

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labour supply, wealth effects, house prices

21.

At the Top of the Mind: Peak Prices and the Disposition Effect

Number of pages: 114 Posted: 08 Jul 2021 Last Revised: 19 Jan 2023
Edika Quispe-Torreblanca, David Hume, John Gathergood, George Loewenstein and Neil Stewart
University of Leeds Business School, University of Warwick, University of Nottingham - School of Economics, Carnegie Mellon University - Department of Social and Decision Sciences and University of Warwick - Warwick Business School
Downloads 159 (307,664)

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reference points, disposition effect, selling homes, investor behaviour

22.

How Preferences for Round Numbers Affect Choices: Stickiness and Jumpiness in Credit Card Payments

Number of pages: 73 Posted: 24 Apr 2020 Last Revised: 07 Jul 2020
Hiroaki Sakaguchi, John Gathergood and Neil Stewart
affiliation not provided to SSRN, University of Nottingham - School of Economics and University of Warwick - Warwick Business School
Downloads 156 (312,619)

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credit cards, round numbers, heuristic, policy evaluation

23.

The English Patient: Evaluating Local Lockdowns Using Real-Time COVID-19 & Consumption Data

Covid Economics 64: 73-100 (2021)
Number of pages: 28 Posted: 08 Mar 2021
John Gathergood and Benedict Guttman-Kenney
University of Nottingham - School of Economics and University of Chicago - Booth School of Business
Downloads 144 (333,828)
Citation 4

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Consumption, Coronavirus, COVID-19, Household Finance, Local Lockdowns, Credit Cards

24.

Can We Predict Which Consumer Credit Users Will Suffer Financial Distress?

FCA Occasional Paper No. 20
Number of pages: 83 Posted: 09 Mar 2017 Last Revised: 05 Apr 2017
John Gathergood and Benedict Guttman-Kenney
University of Nottingham - School of Economics and University of Chicago - Booth School of Business
Downloads 133 (355,183)

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25.

Does Homeownership Reduce Crime? A Radical Housing Reform from the UK

CFS Working Paper, No. 651, 2020
Number of pages: 73 Posted: 28 Feb 2021
Richard F. Disney, John Gathergood, Stephen J. Machin and Matteo Sandi
University of Nottingham, University of Nottingham - School of Economics, London School of Economics & Political Science (LSE) - Centre for Economic Performance (CEP) and London School of Economics & Political Science (LSE) - Centre for Economic Performance (CEP)
Downloads 131 (359,249)
Citation 3

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Crime; Homeownership; Public Housing

26.

Why Are Some Households So Poorly Insured?

Number of pages: 43 Posted: 30 Jan 2017 Last Revised: 01 Feb 2017
John Gathergood and Daniel Wylie
University of Nottingham - School of Economics and University of Nottingham - School of Economics
Downloads 123 (376,652)

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consumption insurance, financial fragility, financial literacy, present bias

27.

House Prices, Home Equity and Health

Number of pages: 48 Posted: 03 Jan 2013
Eleonora Fichera and John Gathergood
University of Manchester and University of Nottingham - School of Economics
Downloads 121 (381,334)
Citation 1

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health, home equity, house prices

28.

How Do Americans Repay Their Debt? The Balance-Matching Heuristic

Downloads 110 (408,585)

How Do Americans Repay Their Debt? The Balance-Matching Heuristic

Number of pages: 19 Posted: 27 Feb 2019
John Gathergood, Neale Mahoney, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, University of Chicago Booth School of Business, Warwick Business School, University of Warwick and University of Exeter Business School - Department of Economics
Downloads 96 (452,250)

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credit cards, consumer borrowing, rational behavior, balance matching, heuristics

How Do Americans Repay Their Debt? The Balance-Matching Heuristic

NBER Working Paper No. w25557
Number of pages: 19 Posted: 19 Feb 2019 Last Revised: 01 May 2023
John Gathergood, Neale Mahoney, Neil Stewart and Joerg Weber
University of Nottingham - School of Economics, University of Chicago Booth School of Business, Warwick Business School, University of Warwick and University of Exeter Business School - Department of Economics
Downloads 14 (941,531)

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29.

Academic Salaries and Public Evaluation of University Research: Evidence from the UK Research Excellence Framework

Downloads 84 (488,231)
Citation 4

Academic Salaries and Public Evaluation of University Research: Evidence from the UK Research Excellence Framework

Number of pages: 57 Posted: 28 Jul 2016 Last Revised: 09 Oct 2018
Gianni De Fraja, Gianni De Fraja, Giovanni Facchini and John Gathergood
University of NottinghamUniversita' di Roma, University of Nottingham and University of Nottingham - School of Economics
Downloads 84 (493,008)
Citation 6

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Research evaluation, Research funding, Research Excellence Framework.

How Much is that Star in the Window? Professorial Salaries and Research Performance in UK Universities

CEPR Discussion Paper No. DP11638
Number of pages: 53 Posted: 22 Nov 2016
Gianni De Fraja, Gianni De Fraja, Giovanni Facchini and John Gathergood
University of NottinghamUniversita' di Roma, University of Nottingham and University of Nottingham - School of Economics
Downloads 0
Citation 2
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Higher education competition, Research Excellence Framework, Research funding, Salary inequality, University sector

30.

Naïve *Buying* Diversification and Narrow Framing by Individual Investors

NBER Working Paper No. w25567
Number of pages: 84 Posted: 19 Feb 2019 Last Revised: 12 Jun 2023
John Gathergood, David A. Hirshleifer, David Leake, Hiroaki Sakaguchi and Neil Stewart
University of Nottingham - School of Economics, Marshall School of Business, USC, Lloyds Banking Group, affiliation not provided to SSRN and Warwick Business School, University of Warwick
Downloads 68 (550,376)
Citation 1

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31.

Preventing Payments Fraud in the FinTech Era: New Evidence from a Behavioural Experiment

Number of pages: 58 Posted: 07 Aug 2023
Jesper Akesson, John Gathergood and Edika Quispe-Torreblanca
The Behavioralist, University of Nottingham - School of Economics and University of Leeds Business School
Downloads 54 (627,028)

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fraud, financial technology, behavioural science