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Data-Driven Research

We Uncover What's Harming Financial Health.

Every paper, every dataset, every insight is a spotlight on problems others ignore—evidence that decision-makers can't dismiss.

Explore Research on GitHub →
Our Approach

Why We Do What We Do

We identify the complex problems endangering young adults' financial health. We diagnose the 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.

Our Approach & Methodology
Partnerships

Google Collaborations

Google Health Trends API Active

We employ the Google Health Trends API to access actual conditional probability values, providing greater mathematical rigor and cross-term comparability not possible with traditional 0-100 RSV scales.

COVID-19 Open Data Project Archived

A comprehensive meta-dataset containing epidemiological information from 22,579 unique locations within 190+ countries and territories.

Explore the COVID-19 Data Portal →
Focus Areas

Research Priorities

We leverage data-driven insights, predictive analytics, and economic theory to tackle the most pressing challenges facing financial health today.

01

Disaster Relief

Leveraging real-time data and predictive analytics to develop solutions helping communities prepare for, survive, and recover from disasters.

02

Mental Health

Investigating how psychological factors influence economic decision-making and how financial circumstances impact mental health outcomes.

03

Housing

Addressing the housing affordability crisis where home prices have far outpaced income growth, threatening financial stability.

04

Sustainability

Developing solutions that benefit both economic resilience and ecological health, creating sustainable financial systems.

05

Artificial Intelligence

Leveraging AI and machine learning to develop more equitable financial systems and predict economic vulnerabilities.

06

Student Debt

Investigating how student loan debt impacts young adults' financial health, economic mobility, and long-term wealth building.

Publications

Published Research

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

Read Full Paper →

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)

Read Full Paper →
In Progress

Working Papers

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

with Eren Çifi, PhD - Austin Peay State University

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

with Eren Çifi, PhD - Austin Peay State University

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

with Eren Çifi, PhD - Austin Peay State University

Sustainable Investment Search Behavior as a Predictor of Market Activity

with Madhavi Venkatesan, PhD - Northeastern University

Comparative Analysis of Financial Literacy Search Patterns

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

Our Team

Research Leadership

Tony Ramos, Oscar Wahltinez, Anjal Parikh, Sarah Cherian, Scott Glasgow, and Soham Patel

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

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
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

Explore Our Research

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

Visit GitHub Repository →