Johan Hombert is an associate professor of Finance and the Director of the PhD Program at HEC Paris. He graduated from Ecole Polytechnique in Paris and holds a PhD in Economics from the Toulouse School of Economics. He have been awarded a European Research Council (ERC) Consolidator grant to conduct research on European life insurers. His research interests are entrepreneurship and innovation, friction in financial and banking markets, and life insurance. His research has been published in the top finance and economics journal such Journal of Finance, Review of Financial Studies, Journal of Financial of Economics, Review of Financial Studies. Johan also writes articles connecting ideas learned in finance classes and real-world problems, that he shares on his blog.