I work as a Marie Skłodowska-Curie fellow at the Leibniz Institute for Financial Research SAFE. I previously worked as a visiting professor (W3) at the University of Mannheim, and as an Assistant Professor at Aarhus University.
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Public goods
Financial literacy for immigrants in Sweden
Link to my CV
At the award ceremony for Lecturer of the year, with the Golden Pointer
I am an applied economist working in finance, housing and macroeconomics. I use administrative data, surveys, and theoretical models to study how individuals make decisions about housing, mortgages, and investments. I primarily study interest-only mortgages and housing markets. I also study how networks shape financial decision
Publications
6. Personal Financial Advice and Portfolio Quality (with Olga Balakina, Tobin Hanspal, Andreas Hackethal and Dominique Lammer)
Conditionally accepted at the Review of Finance
5. Mortgage Design, Repayment Schedules, and Household Borrowing (FEDS WP), (with Peter van Santen and Patrick Moran)
Accepted at the Review of Financial Studies
4. Mortgage Innovations and House Price Booms [ungated] (with Chandler Lutz)
Journal of Urban Economics (2025)
3. Interest-Only Mortgages and Consumption Growth: Evidence from a Mortgage Market Reform [Ungated] (with Natalia Khorunzhina)
International Economic Review (2024)
2. Participation and Losses in Multi-Level Marketing: Evidence from an FTC Settlement [SSRN link] (with Tobin Hanspal)
Financial Planning Review (2022)
1. The Impact of Interest-Only Loans on Affordability [SSRN Link] (with Chandler Lutz)
Regional Science and Urban Economics (2020)
1. Beyond Connectivity: Stock Market Participation in a Network (with Olga Balakina and Anastasiia Parakhoniak)
3rd R&R at the Journal of Economic Dynamics and Control
2. Macroprudential policies and homeownership rates: Cross-country evidence
3. Housing returns across the income distribution (with Natalia Khorunzhina and Walter D'Lima)
Selected presentations: EEA 2025, UEA2025, 2025 CEAR-RSI Household Finance Workshop, ReCapNet 2025
4. Mortgage market design and wealth inequality: Evidence from interest-only mortgages in Denmark (with Danial Ali Akbari, Natalia Khorunzhina and Timo Trimborn)
Selected presentations: Echoppe Conference on the Economics of Housing and Housing Policies, St Gallen workshop on Macroeconomic Implications of Housing, Household Finances, and Wealth Dynamics, UEA 2023.
5. When Markets Get Confused: Misperception versus Inventory (with Arze Karam, Olga Balakina, and Anastasiia Parakhoniak)
Work in progress
House Prices, Expected Tenure, and Consumption Growth
Financial Constraints and Homeownership (project funded by a Marie Skłodowska-Curie Fellowship)
Monthly Payment Targeting and Borrowing: Experimental Evidence
Experimental Evidence on Peer Effects in Finance: Mindful or Mindless Imitation?
Mortgage Borrowing, Renovations, and Housing Returns