TY  JOUR
TI  Credit risk in the BNPL era: behavioural scoring and portfolio profitability
KW  BNPL
KW  behavioral scoring
KW  credit risk
KW  PD
KW  LGD
KW  EAD
KW  limit dosing
KW  antifraud
KW  reject-correction
KW  contribution margin
KW  vintage analysis
JO  JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT
AU  Lykov, N.S.
PY  2025
IS  0
PB  ITBO University