About Research Education Ambassadors
FinMango Research

What if financial instability had a forecast?

We study the signals — in search data, household balance sheets, medical bills, and rent rolls — that appear long before a crisis does.

Live · 50 states tracked · Updated weekly
The premise

Most financial hardship doesn't arrive as a single event. It compounds — quietly, across years — through housing pressure, medical bills, and debt that never quite closes. Our work is to make that slow accumulation measurable.

30+
Open-source repositories
GitHub ↗
190+
Countries covered
7
Published & working papers
20+
Free tools built
In the spotlight

Google.org spotlighted our open data work among the nonprofits using Google tools to support communities during COVID-19.

22,579 locations · 190+ countries · Open source
Explore the data portal
Google.org
@Googleorg · Aug 27, 2020
A moment worth saving — pinned to our research wall.
Reports & Briefs

Our research, in plain language.

Preliminary research and house briefs that read our own work so policymakers, journalists, and partners don't have to parse a repository first. Each brief links to its source documents — and down to the FinMango tools and data it informed.

Working Paper Longer, methodological field studies — our pre-journal work. Focus Note Short. One finding or recommendation, for a policy audience. Data Spotlight A light read built off a dataset or measurement tool.
More from preliminary research

Shorter briefs.

Low <90
Moderate 90–120
Elevated 120–150
High >150

Figure 1Financial Health Barometer composite index, by U.S. state. Hover a state for its current reading; switch indicators above. Source: FinMango Research, 2026.

Referenced & cited by
World Health Organization World Bank Int'l Monetary Fund Google Health Nature
01 · Publications

Published research.

Featured 2025 Technical Whitepaper · v2.4 Open Source

Financial Health Barometer: 2025 Methodology & Data Architecture

FinMango Research Team

FinMango Technical Whitepaper (v2.4)

The whitepaper documents the data pipeline behind the Financial Health Barometer — a composite index combining Google Health Trends conditional probabilities, BLS and Census administrative data, and state-level housing and credit signals. We detail indicator construction, normalization choices, and the reasoning behind four composite tiers (Low → High).

2023 Am. J. of Health Education 7 authors Peer-reviewed

The Mango Model: Best Practices in the Creation of a COVID-19 Open Data Project Through a Partnership with Google Health and the Non-Profit FinMango

Oscar Wahltinez, Scott Glasgow, Aurora Cheung, James F. Glasgow, Martin Noguera, James W. Glasgow & Pamela Neidert Hoalt

American Journal of Health Education

A practitioner's account of how a nonprofit-tech partnership can produce globally useful public-health data. We describe the decisions, missteps, and governance structures behind a dataset that ultimately spanned 22,579 locations across 190+ countries — and argue that the partnership model, not the tooling, is what made it scale.

2022 Nature · Scientific Data 12 authors Open Access

COVID-19 Open-Data: A global-scale spatially granular meta-dataset for coronavirus disease

Oscar Wahltinez, Aurora Cheung, Ruth Alcantara, Donny Cheung, Mayank Daswani, Anthony Erlinger, Matt Lee, Pranali Yawalkar, Paula Lê, Ofir Picazo Navarro, Michael P. Brenner & Kevin Murphy

Nature (Scientific Data)

A harmonized, spatially granular meta-dataset covering epidemiology, hospitalization, mobility, policy, and demographic data across 190+ countries — updated daily throughout the pandemic. The paper documents the schema, sourcing strategy, and reconciliation logic used to merge thousands of heterogeneous government feeds into a single, queryable resource.

01.1 · In progress

Working papers.

2026Housing · Mental HealthIn Progress

Predictive Signals: Do Mental Health-Related Google Searches Reflect Eviction Trends in Real Estate?

with Eren Çifi, PhD — Austin Peay State University

2026AI · Labor MarketsIn Progress

AI Adoption in Banking: Efficiency Gains and Employment Trade-offs

with Eren Çifi, PhD — Austin Peay State University

2026Climate · Community BankingIn Progress

Tornadoes and Financial Resilience: Assessing the Effects of Natural Disasters on Community Banks

with Eren Çifi, PhD — Austin Peay State University

2026ESG · Market BehaviorIn Progress

Sustainable Investment Search Behavior as a Predictor of Market Activity

with Madhavi Venkatesan, PhD — Northeastern University

2026Financial LiteracyIn Progress

Comparative Analysis of Financial Literacy Search Patterns

with John Longo, PhD — Rutgers University, and Danny Jang — Financial Futures

02 · Our approach

Why we do what we do.

We identify the systemic barriers endangering young adults' financial health — housing, healthcare, debt, predatory lending. We diagnose root causes. We provide the evidence decision-makers need to build solutions that actually work.

01

Identify what others miss

Market failures. Policy gaps. Structural inequalities. Finding them before they become crises.

02

Diagnose root causes

Economic theory. Big data. Google Health Trends. Understanding WHY systems fail young adults.

03

Radically transparent

All research on GitHub. Every methodology. Every insight. Every limitation. Total transparency.

04

Empower decisions

WHO. World Bank. IMF. Policymakers worldwide. We provide evidence. They build solutions.

03 · Partnerships

Google collaborations.

Google Health Trends API Active

A working relationship with Google's Health Trends team gives us privileged API access — the data engine behind the Financial Health Barometer's real-time signals across all 50 states.

COVID-19 Open Data Project Archived

A comprehensive meta-dataset containing epidemiological information from 22,579 unique locations within 190+ countries and territories. Recognized by Google.org during the pandemic.

Explore the COVID-19 data portal
04 · Open questions

What we're asking.

A research agenda is really a list of honest questions — the quiet ones, the inconvenient ones, the ones the data keeps hinting at. These are the six we're chasing now.

01

Housing

Can search behavior predict an eviction before it's filed in court?

02

Medical Debt

Does one medical event really erase a generation of savings — and for whom?

03

Climate Resilience

How do community banks absorb the financial aftershock of a tornado?

04

Artificial Intelligence

What does AI adoption in banking mean for the people behind the teller window?

05

Financial Literacy

Where does financial literacy change behavior — and where is it just theater?

06

Student Debt

When does student debt stop compounding disadvantage, if ever?

05 · Our team

Research leadership.

Our team brings experience from Google, Microsoft, Bloomberg News, and Wall Street. We combine technical expertise with academic rigor to tackle complex financial challenges.

T.R.Tony Ramos
O.W.Oscar Wahltinez
A.P.Anjal Parikh
S.C.Sarah Cherian
S.G.Scott Glasgow
S.P.Soham Patel
05.1 · Academic partners

Collaborators.

Eren Çifi, PhD
Austin Peay State University
Madhavi Venkatesan, PhD
Northeastern University
Chen Zhang, PhD
Iowa State University
John Longo, PhD
Rutgers University
Christos Makridis, PhD
Arizona State / Stanford
06 · Methodology

Our data approach.

Most studies using Google Trends rely on normalized Relative Search Volume (RSV) indices. Our unique approach employs the Google Health Trends API to access actual conditional probability values.

This approach yields:

  • Greater mathematical rigor, avoiding distortions introduced by normalization
  • More robust statistical analysis due to interpretable, probabilistically grounded metrics
  • Cross-term and cross-time comparability
  • Deeper insights into search behavior and more precise linkages
Read the whitepaper

Explore our research.

All our research is open-source and available on GitHub. Dive into our methodologies, datasets, and findings.