iiinova — where your digital self keeps evolving

Kasper Roszbach @kasperroszbach.bsky.social · 09/09/2026

In Lund, I’m very much looking forward to making a contribution to the finance group with more research on financial intermediation and household finance and to bringing past experiences to my students and helping future economists understand how economic research can address real-world questions.

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Kasper Roszbach @kasperroszbach.bsky.social · 09/09/2026

and to Knut Are Aastveit, my deputy and successor, for great partnership (and coffee). I also want to thank my amazing colleagues and ex-colleagues in research (whom I cannot mention all by name here) for making the bank such a generous, collegial and intellectually engaging workplace.

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Kasper Roszbach @kasperroszbach.bsky.social · 09/09/2026

I want to especially thank Torbjørn Hægeland and Ida Wolden Bache for hiring me and entrusting me with the research department back in 2017 and for their support over the years, to Ole Christian Bech-Moen for continuing in that spirit,

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Kasper Roszbach @kasperroszbach.bsky.social · 09/09/2026

Working with my Norges Bank colleagues in legal, monetary policy, financial stability and markets has taught me a lot about central bank policymaking and how an efficient and effective institution is run.

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Kasper Roszbach @kasperroszbach.bsky.social · 09/09/2026

Norges Bank is one of the best examples of this advance. The bank has had a long-standing commitment to research and an admirable openness to letting the research run its course, even – or maybe particularly - when its findings will compel us to revise our economic views.

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Kasper Roszbach @kasperroszbach.bsky.social · 09/09/2026

A back of the envelope calculation suggests that over the past 20 years roughly 50% of all published research on monetary policy and financial stability in top 20 economics and finance journals has been co-authored by current and former central bank staff.

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Kasper Roszbach @kasperroszbach.bsky.social · 09/09/2026

Work at a central bank is a great driver of research, just as research increasingly is a driver of central bank policy because of central bank economists investigating monetary policy and financial stability questions important to policymakers with new angles and novel data sources.

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Kasper Roszbach @kasperroszbach.bsky.social · 09/09/2026

After eight and a half years as research director at Norges Bank, I have moved to Lund University and the Lund University School of Economics and Management to take up a position as professor of financial economics.

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Kasper Roszbach @kasperroszbach.bsky.social · 11/11/2025

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...

norges-bank.no

What do 12 billion card transactions say about house prices and consumption?

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Kasper Roszbach @kasperroszbach.bsky.social · 11/11/2025

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.

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Kasper Roszbach @kasperroszbach.bsky.social · 11/11/2025

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.

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Kasper Roszbach @kasperroszbach.bsky.social · 11/11/2025

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.

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Kasper Roszbach @kasperroszbach.bsky.social · 18/10/2025

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...

econjobmarket.org

EJM - Econ Job Market

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Reposted by Kasper Roszbach

Elin Molin @elinmolin.bsky.social · 24/02/2025

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.

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Kasper Roszbach @kasperroszbach.bsky.social · 15/02/2025

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...

norges-bank.no

Buy Now Pay (Less) Later: Leveraging Private BNPL Data in Consumer Banking

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Kasper Roszbach @kasperroszbach.bsky.social · 15/02/2025

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.

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Kasper Roszbach @kasperroszbach.bsky.social · 15/02/2025

So while BNPL has been shown to be associated with high coats for some users, it also helps expand credit access and promote financial inclusion. #BNPL #Fintech #Credit

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Reposted by Kasper Roszbach

Erik Brynjolfsson @erikbryn.bsky.social · 01/12/2024

Here's a great starter pack of economists working on AI. Who else should be on this list? bsky.app/starter-pack...

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Kasper Roszbach @kasperroszbach.bsky.social · 22/11/2024

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.

Program for the IBRN meeting. Full details are available on www.newyorkfed.org/ibrn

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Kasper Roszbach @kasperroszbach.bsky.social · 17/11/2024

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...

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Kasper Roszbach @kasperroszbach.bsky.social · 16/09/2024

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.

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Kasper Roszbach @kasperroszbach.bsky.social · 18/05/2024

A great opportunity for female PhD students doing research in areas relevant for central banks. Submission deadline August 15. #dallasfed #norgesbank #phdstudents #conference

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Kasper Roszbach @kasperroszbach.bsky.social · 22/02/2024

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...

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Kasper Roszbach @kasperroszbach.bsky.social · 06/02/2024

#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...

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Kasper Roszbach @kasperroszbach.bsky.social · 22/01/2024

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...

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