Hello, I am a PhD Candidate in the John E. Walker Department of Economics at Clemson University. I research financial institutions, community banking, and household finance, drawing on frameworks from industrial organization and urban economics. Specifically my research focuses on studying credit accessibility of underserved and diverse urban communities in the US and the influence of internet banking, non-bank lenders, and fintech in addressing the credit access gap arising due to the decline in bank branches nationally. I will be joining the University of Minnesota, Morris as an Assistant Professor of Economics, Business and Management from Fall 2026.

You can find my CV here and contact me at: nrazzak[at]g.clemson.edu.