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Elin Molin

@elinmolin.bsky.social

21 followers 30 following 2 posts

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Elin Molin @elinmolin.bsky.social · Apr 22

Läs gärna DN Debatt idag om rapporten jag och Paula Roth har skrivit – om överskuldsättning och behovet av en effektivare skuldsanering.

Elinor Odeberg @elinorodeberg.bsky.social · Apr 21

Trots växande överskuldsättning och bristande kreditprövning minskar antalet som beviljas skuldsanering, med stora personliga och samhällsekonomiska kostnader som följd.

Hög tid för en modern skuldsaneringspolitik. Läs mer i artikeln som baseras på vår senaste rapport. 👉 www.dn.se/debatt/behan...

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Elin Molin @elinmolin.bsky.social · Feb 24

Excited to share our latest research on VoxEU! Together with @claudenbach.bsky.social, @kasperroszbach.bsky.social and #talinasondershaus, we explore how 'Buy Now, Pay Later' (BNPL) services improve credit access and risk assessments in consumer banking.

VoxEU @ CEPR @voxeu.org · Feb 24

'Buy now, pay later' services have the potential to enhance #credit access, improve #lending decisions, and promote financial inclusion for underserved consumers.
@claudenbach.bsky.social, @elinmolin.bsky.social, @kasperroszbach.bsky.social, Talina Sondershaus
cepr.org/voxeu/column...
#EconSky

Though ‘buy now, pay later’ loans are increasingly popular, critics argue that they encourage high costs and unsound borrowing. This column examines how such services inﬂuence conventional bank credit markets. Using loan-application data from a Nordic bank that also provides both traditional consumer loans and ‘buy now, pay later’ – allowing applicants’ creditworthiness to be assessed in the light of more comprehensive transaction data – the authors find that ‘buy now, pay later’ beneﬁts both lenders and borrowers. It enhances risk assessment, fosters learning, and promotes ﬁnancial inclusion by improving credit access and outcomes for higher-risk borrowers and underserved consumers.

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Reposted by Elin Molin

Kasper Roszbach @kasperroszbach.bsky.social · Feb 15

In a new paper, @claudenbach.bsky.social, @elinmolin.bsky.social, #talinasondershaus and I show that Buy Now, Pay Later (BNPL) isn’t just changing how people shop—it has spillovers to mainstream bank lending because of proprietary data BNPL lenders hold.

www.norges-bank.no/en/news-even...

Buy Now Pay (Less) Later: Leveraging Private BNPL Data in Consumer Banking

www.norges-bank.no

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