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Julapa Jagtiani on Muck Rack

Julapa Jagtiani

As seen in: Journal of Credit Risk
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Articles

Flight to Safety Evaluating Stablecoin’s Role as a Safe-Haven Asset in DeFi Markets

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By Alan Chernoff, Julapa Jagtiani, Nathaniel Yoshida
| philadelphiafed.org
By analyzing cryptocurrency market responses to key protocol and market-moving events, augmented by nonlinear volatility models, we identify distinct, chain-specific flight-to-safety behaviors. Our results show that USDT acts as a primary liquidity lifeline for Ethereum holders during stress, particularly among retail investors, whereas its role for Bitcoin holders is more muted and stabilizing.
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AI-Enabled Fraud Is On the Rise — Here’s How to Beat It

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By Julapa Jagtiani, Raghavendra Rau, Shivam Srivastava
| philadelphiafed.org
In the past year, about 79 percent of financial institutions experienced fraud attempts. As AI-driven attacks outpace traditional defenses, the core challenge is no longer flawless prediction, but the ability to buy time to respond before damage occurs. The authors argue that AI’s primary value in fraud prevention is not merely speed but its capacity to detect uncertainty early and deliberately slow down risky transactions, expanding the window for human judgment.
Open in Who Shared View Duplicates (2) Issue with article?

Fintech Innovations in Banking: Fintech Partnership and Default Rate on Bank Loans

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By Julapa Jagtiani, Catharine Lemieux, Brandon Goldstein
| philadelphiafed.org
Our analysis utilizes data on relevant bank–fintech partnerships and loan-level data from Y-14M reports. For credit cards, we find that banks that had fintech partnerships extended larger lines of credit to consumers with low credit scores or missing credit scores. We also find that credit card default rates declined among nonprime borrowers with missing credit scores.
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