Research interests: Banking, Household Finance, Development Economics
Working Papers
Financial Innovation, Labor Markets, and Wage Inequality: Evidence from Instant Payment Systems (with Carlos Burga, Jacelly Cespedes, and Carlos Parra) [Paper version November 2024]
Speed of Payment in Procurement Contracts: the Role of Political Connections (with Ricardo Dahis, and Thiago Scot) [Paper version April 2024]
Banks' Physical Footprint, Digital Payment Technologies and Fintech Growth (with Lucas Mariani and José Renato Ornelas) [Paper version August 2024] [Summary: World Bank All About Finance, IDB Ideas Matter, and BBC Brasil] [Febraban prize best paper in Banking]
Internal Markets and M&A Value Creation: Evidence from Bank Branch-level Data (with Lucas Mariani) [Paper version January 2024] R&R at the Journal of Financial and Quantitative Analysis
Work in Progress
Non-Exclusive Loan Contracts under Selective Default: Implications and Evidence from the Credit Cards Market (with Theo Martins and Arthur Taburet)
Household Debt and Labor Market Outcomes (with Nelson Camanho, Toni dos Santos, and Jesús Gorrín)
The Labor Market Effects of a Credit Crunch (with Marco Bonomo, Cecilia Machado, and Bruno Martins)
The Impact of Instant Payment Systems on Financial and Labor Market Outcomes: evidence from Pix (with Giorgia Barboni, Lucas Mariani, and José Renato Ornelas)
Determinants of Concentration in the Banking Industry: Evidence from Payroll Auctions
Publication
Export Side Effects of Wars on Organized Crime: The Case of Mexico (with Jesús Gorrín and José Morales-Arilla) Journal of International Economics [Paper version March 2023]
Other Publications / Reports
MiDES: New Data and Facts from Public Procurement and Budget Execution in Brazil (with Ricardo Dahis, Lucas Nascimento, Nathalia Sales, and Thiago Scot) [World Bank Policy Research Working Paper version November 2023] [Dataset]
Idiosyncratic Moments and the Cross-Section of Stock Returns in Brazil, Brazilian Review of Econometrics, Vol. 36, 2, 255-286, 2016. (with Caio Almeida and Cristina Tessari) [Paper]
Bernardo Ricca
Contact information:
Insper
Adress: Rua Quatá 300
São Paulo, 04546-042, SP
Email: bernardoOGR@insper.edu.br
Curriculum vitae (English)