New VoxEU column from my job market paper, co-authored with @kmajlesi.bsky.social and @pauroth.bsky.social

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

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...