Elin Molin
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elinmolin.bsky.social
Elin Molin
@elinmolin.bsky.social
21 followers 30 following 2 posts
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elinmolin.bsky.social
Läs gärna DN Debatt idag om rapporten jag och Paula Roth har skrivit – om överskuldsättning och behovet av en effektivare skuldsanering.
elinorodeberg.bsky.social 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...
April 22, 2025 at 10:11 AM
elinmolin.bsky.social
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.org 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.
February 24, 2025 at 10:20 AM
Reposted by Elin Molin
kasperroszbach.bsky.social
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
February 15, 2025 at 9:42 AM