Firms offering “buy now, pay later” (BNPL) point-of-sale installment loans with minimal underwriting and low interest have captured a growing fraction of the market for short-term unsecured consumer ...

Abstract: Intelligent reflecting surface (IRS) is an enabling technology to engineer the radio signal propagation in wireless networks. By smartly tuning the signal reflection via a large number of ...

Cellphone bans in schools have become a popular policy in recent years in the United States, yet very little is known about their effects on student outcomes. In this study, we try to fill this gap by ...