Adair Morse is Associate Professor at the Haas School of Business at the University of California at Berkeley, where she teaches New Venture Finance. She is on the board of the Haas Impact Investing Network, the faculty advisor to Haas FinTech Club, faculty mentor to Gender Equity Initiative, and faculty co-director of the Hass Impact Research Prize. She holds a Ph.D. in finance from the University of Michigan. Adair’s research spans three areas of finance: household finance, corruption, and asset management, with the unifying theme that she tries to choose topics useful for leveling economic playing fields. She has won a number of top finance research prizes, and her various works have been directly implemented into policy via U.S. Congress Acts, U.S. and Canadian state banking regulations, and Greek Parliament tax reform. Within household finance, Adair has a particular interest in household debt and welfare, studying low and middle income credit products and their use via both observational studies and field experiments with companies. Her recent work studies many aspects of marketplace lending/crowdfunding. She has been invited to give a number of keynote addresses on the future of FinTech for consumers and investors. Examples of Adair’s other noteworthy publications in household finance include work on the effect of income inequality on consumption and the welfare consequence of payday loans. Adair’s other new project studies impact investing. The paper gauges demand for social returns by varying holders of capital and relates such demand to the $59 trillion in wealth signing the United Nationals Principles of Responsible Investing.