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Financial Economists

Photo of Dimuthu Ratnadiwakara

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Dimuthu Ratnadiwakara

Senior Financial Economist

Dimuthu Ratnadiwakara is Senior Financial Economist on our Quantitative Supervision and Research team in the Supervision, Regulation and Credit Department at the Richmond Fed. His research focuses on financial intermediation, fintech, and household finance.

Prior to joining the Richmond Fed in 2024, Dimuthu was an assistant professor of finance at the Louisiana State University.

Ratnadiwakara has his PhD in finance from the University of Houston.

Publications

"Do sunk costs affect prices in the housing market?" (with Vijay Yerramilli), 2022, Management Science, 68(12), pp. 9061-9081.

"Collateral Value and Strategic Default: Evidence from Auto Loans" 2021, Journal of Financial Services Research, 59(3), pp. 209-240.
Working Papers

"The Decline of Branch Banking" (with Rajesh Narayanan and Philip E. Strahan)

"Effects of Shadow Bank Competition on Bank Strategies and Risk" (with Vijay Yerramilli)

"Cyber Risk in Banking: Measuring and Predicting Vulnerability" (with Steven D. Baker)

"Invisible primes: Fintech Lending with Alternative Data" (with Marco Di Maggio)

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Dimuthu Ratnadiwakara