Summer Research Fellows

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Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank & Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/analysis" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> Analysis </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div 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Browse our extensive research tools and reports.</p><p><a href="/analysis">More FDIC Analysis</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-3" role="list"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/center-financial-research" class="tbm-link level-2"> Center for Financial Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/consumer-research" class="tbm-link level-2"> Consumer Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/household-survey" class="tbm-link level-2"> FDIC National Survey of Unbanked and Underbanked Households </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-4" role="list"> 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href="/quarterly-banking-profile/fdic-quarterly-banking-profile-second-quarter-2024">FDIC-Insured Institutions Reported Net Income of $71.5 Billion</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-05/qbp-q1-2024.png?itok=WG14C4zi" width="277" height="141" alt="Quarterly Banking Profile for First Quarter 2024" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / May 29, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/">Quarterly Banking Profile for First Quarter 2024</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div 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width="277" height="141" alt="Quarterly Banking Profile for Third Quarter 2023" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / November 29, 2023 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2023sep/">Quarterly Banking Profile for Third Quarter 2023</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/news" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> News </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div 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"> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / November 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://podcasters.spotify.com/pod/show/fdic/episodes/The-Unbanked-e2r5eil">The Unbanked</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-11/househld-survey-latest-news-flyover-283-143px.png?itok=2dwUJY-d" width="277" height="141" alt="househld-survey-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / November 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-survey-finds-96-percent-us-households-were-banked-2023">FDIC Survey Finds 96 Percent of U.S. Households Were Banked in 2023</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/bank-lates-news-283x143px.jpg?itok=XuBcx7Qv" width="277" height="141" alt="Bank Latest News" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 18, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/first-bank-trust-co-duncan-ok-acquires-insured-deposits-first-national">First Bank & Trust Co., Duncan, OK, Acquires Insured Deposits of The First…</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;"> <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-10/pen_latest-news-flyover-283-143px.png?itok=-RyrE1Hf" width="277" height="141" alt="pen-latest-news-flyover-283-143px.png" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / October 16, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-appoints-hansel-cordeiro-director-new-office-professional-conduct">FDIC Appoints Hansel Cordeiro as Director of New Office of Professional Co…</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 megamenu-search tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <span class="tbm-link level-1 no-link tbm-toggle" tabindex="0" aria-expanded="false"> Search </span> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="megamenu-search-submenu tbm-submenu tbm-item-child" role="list"> <div class="tbm-row"> <div class="tbm-column span12"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-contentd1147a03-bf80-463f-aa08-63c2f29068a0" class="block block-block-content block-block-contentd1147a03-bf80-463f-aa08-63c2f29068a0"> <div class="field field--name-body 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class="last" data-drupal-link-system-path="node/60331">Prior Years</a> </li> </ul> </li> <li class="expanded dropdown"> <a href="/center-financial-research/careersfellowships" class="expanded dropdown dropdown-toggle" data-toggle="dropdown" data-drupal-link-system-path="node/60416">Careers/Fellowships <span class="caret"></span></a> <ul class="dropdown-menu"> <li class="first"> <a href="/center-financial-research/economists" class="first" data-drupal-link-system-path="node/60421">Economists</a> </li> <li> <a href="/center-financial-research/research-assistants" data-drupal-link-system-path="node/60426">Research Assistants</a> </li> <li> <a href="/center-financial-research/internships" data-drupal-link-system-path="node/60431">Internships</a> </li> <li class="last"> <a href="/center-financial-research/visiting-scholars" class="last" data-drupal-link-system-path="node/60436">Visiting Scholars</a> </li> </ul> </li> <li class="last"> <a href="/center-financial-research/contact" class="last" data-drupal-link-system-path="node/60366">Contact</a> </li> </ul> </div> </div> <main id="main-content" class="ds-region-middle order-1 mobile--order-0"> <div id="block-fdic-theme-content" class="block block-system block-system-main-block"> <article data-me-edit-screen-key="2ffd7f1b-b0ca-4cf9-b3cf-c317e032f992" data-me-edit-screen-entity-id="60401" class="node--wholepage"> <div> <div class="field field--name-field-content field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p>For more information on the Summer Research Fellows program, see <a href="/about/careers/student-opportunities/summer-research-fellow-program.html">Careers/Fellowships</a>.</p><h2>Most Recent Summer Research Fellows</h2> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--25-75"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> <div class="paragraph paragraph--type--image paragraph--view-mode--default alignment--center"> <div class="erd-list--portrait-small field field--name-field-image field--type-entity-reference field--label-hidden field__items"><div class="media media--type-image media--view-mode-portrait-small"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/styles/portrait_s/private/2024-07/spencer-stone.jpg?itok=rMGVIov9" width="160" height="200" alt="Spencer Stone" /> </div></div> </div> </div> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><strong>Spencer Stone</strong><span> is a Finance PhD candidate at the University of Kentucky's Gatton College of Business and Economics. He has won an award there for his teaching in an introductory corporate finance course. His academic research examines the role of points and fees in the mortgage market.</span></p> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <hr> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--25-75"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> <div class="paragraph paragraph--type--image paragraph--view-mode--default alignment--center"> <div class="erd-list--portrait-small field field--name-field-image field--type-entity-reference field--label-hidden field__items"><div class="media media--type-image media--view-mode-portrait-small"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/styles/portrait_s/private/2024-07/irisa-lee.jpg?itok=jtBHbX0H" width="160" height="200" alt="Irisa Lee" /> </div></div> </div> </div> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><strong>Irisa Lee</strong><span> is pursuing a PhD in economics at the University of North Carolina, Chapel Hill. She previously worked as a research assistant in the Division of Research and Statistics at the Federal Reserve Board of Governors. She graduated magna cum laude from Mount Holyoke College with a BA in Economics. Her research examines topics in macroeconomics, particularly those related to money, banking, and risk in entrepreneurship.</span></p> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <hr> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--25-75"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> <div class="paragraph paragraph--type--image paragraph--view-mode--default alignment--center"> <div class="erd-list--portrait-small field field--name-field-image field--type-entity-reference field--label-hidden field__items"><div class="media media--type-image media--view-mode-portrait-small"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/styles/portrait_s/private/2024-07/anthony-waikel.jpg?itok=qFcI5tnM" width="160" height="200" alt="Anthony Waikel" /> </div></div> </div> </div> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><strong>Anthony Waikel</strong><span> is pursuing a PhD in Finance at the University of Georgia. He previously graduated with highest distinction from Purdue University with a BS in Accounting and an MBA. Anthony teaches behavioral finance at the University of Georgia and has research interest in household finance, retail trading, social media, behavioral finance, and financial markets.</span></p> </div> </div> </div> </div> </div></div> </div> </article> </div> <div id="block-fdic-theme-news-last-updated-block" class="text-align-right block block-fdic-custom block-fdic-node-last-updated-block"> <p>Last Updated: August 4, 2024</p> </div> </main> </div> </div> <footer class="usa-footer usa-footer--medium" role="footer"> <div class="footer-primary"> <div class="grid-container flex-row-wrap flex-center-x flex-children-1 mobile--flex-col"> <div id="block-fdic-theme-footercontactthefdic" class="block block-block-content block-block-content1ad48bca-4eaa-42fe-9f6e-ca59046baba4"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><div class="text-center"><p class="font-size-1p5 text-fdic-white font-title 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