Hello, I am an Assistant Professor of Economics at the University of Minnesota, Morris. I research financial institutions, banking and household finance, drawing on frameworks from industrial organization and urban economics. My research focuses on studying credit accessibility in underserved and diverse urban communities within 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 received my PhD from the John E. Walker Department of Economics at Clemson University.

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