Kasper Roszbach
@kasperroszbach.bsky.social
Economist, research director at Norges Bank professor at University of Groningen. Working on financial intermediation and household finance. Private views only.
In a new working paper, my co-authors Knut Are Aastveit,
@jesper-bojeryd.bsky.social, Magnus Andreas Haare Gulbrandsen, @ragnarjuelsrud.bsky.social and I investigate "What do 12 billion card transactions say about house prices and consumption".
www.norges-bank.no/en/news-even...
@jesper-bojeryd.bsky.social, Magnus Andreas Haare Gulbrandsen, @ragnarjuelsrud.bsky.social and I investigate "What do 12 billion card transactions say about house prices and consumption".
www.norges-bank.no/en/news-even...
What do 12 billion card transactions say about house prices and consumption?
www.norges-bank.no
November 11, 2025 at 7:23 PM
In a new working paper, my co-authors Knut Are Aastveit,
@jesper-bojeryd.bsky.social, Magnus Andreas Haare Gulbrandsen, @ragnarjuelsrud.bsky.social and I investigate "What do 12 billion card transactions say about house prices and consumption".
www.norges-bank.no/en/news-even...
@jesper-bojeryd.bsky.social, Magnus Andreas Haare Gulbrandsen, @ragnarjuelsrud.bsky.social and I investigate "What do 12 billion card transactions say about house prices and consumption".
www.norges-bank.no/en/news-even...
Using de-identified data on debit card payments and e-invoices for the near population of Norway, we study how housing wealth changes affect household spending. We focus on the 2014 oil-price collapse that created regional variation in house prices through differential exposure to the oil sector.
November 11, 2025 at 7:22 PM
Using de-identified data on debit card payments and e-invoices for the near population of Norway, we study how housing wealth changes affect household spending. We focus on the 2014 oil-price collapse that created regional variation in house prices through differential exposure to the oil sector.
Comparing public workers in oil vs non-oil regions, we find the three-year marginal propensity to spend is 3.6%. The granular data enable us to show the consumption response is concentrated in home improvement, furnishings, and vehicles, and driven by a reduction in credit backed by home-equity.
November 11, 2025 at 7:22 PM
Comparing public workers in oil vs non-oil regions, we find the three-year marginal propensity to spend is 3.6%. The granular data enable us to show the consumption response is concentrated in home improvement, furnishings, and vehicles, and driven by a reduction in credit backed by home-equity.
The share of the spending response accruing to locally produced goods and services stands for 80% of the consumption decline. Collateral & wealth effects are key channels linking housing wealth to consumption; household balance-sheet heterogeneity is quantitatively important for the propagation.
November 11, 2025 at 7:21 PM
The share of the spending response accruing to locally produced goods and services stands for 80% of the consumption decline. Collateral & wealth effects are key channels linking housing wealth to consumption; household balance-sheet heterogeneity is quantitatively important for the propagation.
The research department of Norges Bank is hiring a research economist for an permanent position. Apply by November 24 and check details at econjobmarket.org/positions/11...
EJM - Econ Job Market
econjobmarket.org
October 18, 2025 at 5:29 PM
The research department of Norges Bank is hiring a research economist for an permanent position. Apply by November 24 and check details at econjobmarket.org/positions/11...
Reposted by Kasper Roszbach
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.
'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
@claudenbach.bsky.social, @elinmolin.bsky.social, @kasperroszbach.bsky.social, Talina Sondershaus
cepr.org/voxeu/column...
#EconSky
February 24, 2025 at 10:20 AM
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.
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...
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
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...
www.norges-bank.no/en/news-even...
Users of BNPL are more likely to get approved for traditional bank loans, enjoy lower interest rates, and display better repayment behavior. Banks benefit too, using BNPL data to assess risk more accurately and price discriminate.
February 15, 2025 at 9:41 AM
Users of BNPL are more likely to get approved for traditional bank loans, enjoy lower interest rates, and display better repayment behavior. Banks benefit too, using BNPL data to assess risk more accurately and price discriminate.
Last chance to apply for a #researchassistant position at @NorgesBank. Knowledge of a Scandinavian language is an advantage. Deadline February 15.
Research Assistant
Norges Bank is Norway’s central bank. The Bank’s task is to promote economic stability in Norway, and has executive and advisory responsibilities in the area of monetary policy and responsibility for ...
398270.webcruiter.no
February 15, 2025 at 9:17 AM
Last chance to apply for a #researchassistant position at @NorgesBank. Knowledge of a Scandinavian language is an advantage. Deadline February 15.
Reposted by Kasper Roszbach
Here's a great starter pack of economists working on AI.
Who else should be on this list?
bsky.app/starter-pack...
Who else should be on this list?
bsky.app/starter-pack...
December 1, 2024 at 7:30 PM
Here's a great starter pack of economists working on AI.
Who else should be on this list?
bsky.app/starter-pack...
Who else should be on this list?
bsky.app/starter-pack...
January 22, 2025 at 9:17 PM
The #IBRN International Banking Research Network has its winter meeting, with great papers on Climate and Financial Intermediation and Non-Bank Financial Institutions. Thanks to the #BancodeMéxico and in particular #GeorgiaBush for hosting and to all #centralbanks for great papers and presentations.
November 22, 2024 at 1:46 PM
The #IBRN International Banking Research Network has its winter meeting, with great papers on Climate and Financial Intermediation and Non-Bank Financial Institutions. Thanks to the #BancodeMéxico and in particular #GeorgiaBush for hosting and to all #centralbanks for great papers and presentations.
On November 1, the #DallasFed and #NorgesBank organized the 2nd Women in Central Banking conference for female PhD students. The 3rd edition will be at #BancadItalia. Thanks to all the participants and to our colleagues at the #DallasFed. Program details: www.dallasfed.org/research/eve...
November 17, 2024 at 1:40 PM
On November 1, the #DallasFed and #NorgesBank organized the 2nd Women in Central Banking conference for female PhD students. The 3rd edition will be at #BancadItalia. Thanks to all the participants and to our colleagues at the #DallasFed. Program details: www.dallasfed.org/research/eve...
Norges Bank has a call open for #PhDstudents to submit #research proposals and apply for a three month #internship. Have a look at EJM, our website or www.linkedin.com/posts/roszba...
Kasper Roszbach on LinkedIn: E con J ob M arket ®
Norges Bank has openings for #phdstudents in #economics to do an #internship for three months in the #research department during 2025. Application deadline is…
www.linkedin.com
October 3, 2024 at 5:34 PM
Norges Bank has a call open for #PhDstudents to submit #research proposals and apply for a three month #internship. Have a look at EJM, our website or www.linkedin.com/posts/roszba...
Thanks to Mantos Delis, Sotirios Kokas, Sofia Anyfantaki, the Bank of Greece and the other organizers of the @endlesssummerconference for a great program and wonderful hosting.
September 16, 2024 at 5:39 AM
Thanks to Mantos Delis, Sotirios Kokas, Sofia Anyfantaki, the Bank of Greece and the other organizers of the @endlesssummerconference for a great program and wonderful hosting.
A great opportunity for female PhD students doing research in areas relevant for central banks. Submission deadline August 15. #dallasfed #norgesbank #phdstudents #conference
May 18, 2024 at 10:17 PM
A great opportunity for female PhD students doing research in areas relevant for central banks. Submission deadline August 15. #dallasfed #norgesbank #phdstudents #conference
Some colleagues at the University of Groningen were so kind to write down why mandatory teaching in Dutch is not a way to improve the quality of Dutch university education. dvhn.nl/meningen/Opi...
February 22, 2024 at 10:50 AM
Some colleagues at the University of Groningen were so kind to write down why mandatory teaching in Dutch is not a way to improve the quality of Dutch university education. dvhn.nl/meningen/Opi...
#IBEFA is inviting papers for its sessions at the 2025 ASSA in San Francisco. Always great sessions with excellent papers with policy relevance. Submission deadline March 25. ibefa.org/call4papersa...
February 6, 2024 at 8:12 AM
#IBEFA is inviting papers for its sessions at the 2025 ASSA in San Francisco. Always great sessions with excellent papers with policy relevance. Submission deadline March 25. ibefa.org/call4papersa...
Call for papers for the @CebraOrg annual meeting #CEBRA24 in Frankfurt. @NorgesBank invites papers for a special session on "Housing and Consumption". The submission deadline is March 10.Submit at: cebra-events.org/call-for-pap...
January 22, 2024 at 6:04 PM
Call for papers for the @CebraOrg annual meeting #CEBRA24 in Frankfurt. @NorgesBank invites papers for a special session on "Housing and Consumption". The submission deadline is March 10.Submit at: cebra-events.org/call-for-pap...