%0 Journal Article %T Credit risk in the BNPL era: behavioural scoring and portfolio profitability %A Lykov, N.S. %K BNPL, behavioral scoring, credit risk, PD, LGD, EAD, limit dosing, antifraud, reject-correction, contribution margin, vintage analysis %J JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT %D 2025 %N 0 %P 5 %I ITBO University