I am a researcher at the Research Institute of Industrial Economics (IFN) in Stockholm, Sweden. Before joining IFN, I was a researcher at Lund University. I completed my Ph.D. in Economics at the Stockholm School of Economics.

I am an applied microeconomist with a primary research interest in household finance. I also explore topics in financial intermediation, education, and labor economics. In particular, I study policy-relevant questions on the determinants and consequences of financial distress, the impact of new financial products and technologies such as "Buy-Now-Pay-Later" (BNPL) loans and crypto assets, and the effects of educational reforms.

E-mail → elin.molin@nek.lu.se
Phone → +46 73 987 62 84

Affiliations

Centre for Economic Demography (CED)
Uppsala Centre for Fiscal Studies (UCFS)
Knut Wicksell Centre for Financial Studies (KWC)

News

  • October 2026: Our paper “Employee Debt Overhang and Firm Performance” (with Ramin Baghai, Marieke Bos, and Paula Roth) has been accepted for presentation at the Financial Research Association (FRA) conference in December 2026.

  • April 2026: I received a 2 MSEK research grant from Handelsbanken, for our project “The Economics of BNPL”, with Talina Sondershaus and Kasper Roszbach.

  • February 2026: My job market paper When Loss Strikes Twice: Severe Health Shocks and Financial Well-Being has been accepted for publication at the Review of Finance.

  • November 2025: Our project “Financial Distress and Crime: Debt Relief as a Preventive Measure — New Data and Insights” received 3,682,021 SEK in funding from the Swedish Research Council. Research team Marieke Bos, Johanna Rickne, Paula Roth, and me.

  • September 2025: I will be presenting our paper “When Loss Strikes Twice: Severe Health Shocks and Financial Well-Being” at the Labour & Public Policy Seminar at Aarhus University on October 3.

  • July 2025: I will be presenting our paper Buy Now Pay (Less) Later: Leveraging Private BNPL data in Consumer Banking at the CEPR European Conference on Household Finance

  • May 2025: I’ve been appointed by the Swedish Government to participate in a national inquiry on over-indebtedness, with a particular focus on long-term debtors (Inquiry Fi 2025:05).

  • May 2025: I will be presenting our paper Buy Now Pay (Less) Later: Leveraging Private BNPL data in Consumer Banking at the NBER Summer Institute Household Finance.

  • April 2025: I will be presenting our paper Buy Now Pay (Less) Later: Leveraging Private BNPL data in Consumer Banking at the 7th CEPR Summer Conference on Financial Intermediation and Corporate Finance

  • April 2025: I will be presenting our paper When Loss Strikes Twice: Severe Health Shocks and Financial Well-Being at the CEPR Summer Conference: The Economics of Longevity and Ageing

  • Jan 2025: I will be presenting our paper Buy Now Pay (Less) Later: Leveraging Private BNPL data in Consumer Banking at the BIS – CEPR – Gerzensee – SFI Conference on Financial Intermediation 2025

  • My paper When Loss Strikes Twice: Severe Health Shocks and Financial Well-Being joint with Kaveh Majlesi and Paula Roth is Revise and Resubmit at the Review of Finance

  • My paper Long-Term Impacts of Achievement-Based School Assignment is Reject and Resubmit at the Economic Journal

  • I received a grant from Johan och Jakob Söderbergs stiftelse.

  • I received the 2nd best paper prize at the Essen Health Conference 2024 for our paper Severe Health Shocks and Financial Well-being joint with Kaveh Majlesi and Paula Roth.

  • For our project “Education and Long-Term Savings” Gawain Heckley, Martin Fischer, Therese Nilsson and I received a grant from The Thule Foundation.

  • For our project “Understanding Overindebtness; New Data, Causes, Consequences, and Policy” and our conference on Household Debt Relief Marieke Bos, Paula Roth and I received two grants from Handelbanken.

  • With Claudio Daminato, I am co-organizing the 2nd Arne Ryde Workshop "Micro Data meet Macro Models" on August 22-23 in Lund, Sweden. Luigi Pistaferri and Michaela Pagel will be keynote speakers at the event.

  • With Marieke Bos and Paula Roth, I am co-organizing the Workshop “Household Debt Relief, New data, Micro-Macro Perspectives” on September 24 in Stockholm, Sweden. Paul Goldsmith-Pinkham and Sasha Indarte will be keynote speakers at the event.

  • With Andreas Johansson, Talina Sondershaus and Anders Vilhelmsson, I am co-organizing the Knut Wicksell Conference on Crypto and Fintech on August 30-31 in Lund, Sweden. Campbell R. Harvey will be the keynote speaker at the event.