Elin Molin received her PhD in Economics from the Stockholm School of Economics in 2019. She has previously worked as a researcher at Lund University and was a visiting PhD student at Columbia University. Her research focuses on policy-relevant questions concerning the causes and consequences of financial distress, as well as the effects of new financial products and technologies, such as Buy Now, Pay Later (BNPL) loans and crypto assets. Her work is forthcoming in the Review of Finance and has been featured in The Economist. She received the second Best Paper Prize at the Essen Health Conference in 2024 and has presented her research at the NBER Summer Institute and several CEPR conferences. In 2025, she was appointed as an expert to the Swedish Government Inquiry on measures to address long-term indebtedness (Fi 2025:05). She has received research funding as both principal investigator and co-investigator from organizations including Handelsbanken, the Swedish Research Council, and Vinnova.
Some questions that Elin Molin tries to answer in her research:
- How does wage garnishment affect employees’ labor supply, their coworkers, and firm performance?
- How do health shocks affect individuals’ financial distress?
- What drives the intergenerational transmission of financial distress?
- How is information from Buy Now, Pay Later (BNPL) used in banks’ credit assessments, and how does BNPL use affect borrowers’ credit outcomes?
- Who uses stablecoins, how are they used, and what factors drive their use?
