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Buy Now, Pay Later (BNPL) services are transforming consumer finance by offering lightly regulated short-term credit. This policy brief explores how BNPL data can be leveraged to improve credit risk assessments and enhance financial inclusion. Drawing on proprietary data from a Nordic bank, our research highlights how BNPL lending and the associated repayment histories can increase loan approval p
Childlessness is an increasingly visible phenomenon. Once predominantly associated with high-income settings, it now spans diverse cultural, economic, and political contexts, including the Global South. Among recent demographic shifts, childlessness has emerged as one of the most ideologically charged and widely debated topics in public discourse, particularly through media narratives. Although me
Paratransit services support individuals with limited mobility by providing access to healthcare, errands, and social activities. While designed to be enabling, these services impose temporal demands that require the user’s active engagement, such as booking in time and coordinating with other support services. This study explores how older users experience and manage the temporal dimensions of SwParatransit services support individuals with limited mobility by providing access to healthcare, errands, and social activities. While designed to be enabling, these services impose temporal demands that require the user’s active engagement, such as booking in time and coordinating with other support services. This study explores how older users experience and manage the temporal dimensions of Sw
People with intellectual disabilities have an increased risk of diabetes mellitus (DM). They tend to develop it at earlier ages than the general population, resulting in even higher risks in younger people. However, few studies have separated Type 1 and Type 2 DM. The aim of this study was to assess prevalence of different types of DM in different age groups in relation to the general population.
Cetaceans are negatively affected by anthropogenic activities, including acoustic and physical disturbance from boat traffic. Behavioural responses to such disturbances are context-dependent, and site-specific insights are needed for effective local management plans. In this study, the impact of speed and proximity of recreational boats on the swimming speed and surfacing interval of one of the mo
We consider a game with two players, consisting of a number of rounds, where the first player to win rounds becomes the overall winner. Who wins each individual round is governed by a certain urn having two types of balls (type 1 and type 2). At each round, we randomly pick a ball from the urn, and its type determines which of the two players wins. We study the game under three regimes. In the fir
Protein–protein interactions (PPIs) are central to cellular processes and host-pathogen dynamics across all domains of life, yet comprehensive interactome mapping remains challenging at the proteome scale. Experimental approaches provide only partial coverage, while existing computational methods often lack generalizability across species or are too resource-intensive for large-scale screening. He
Genetics as a science has roots in studying phenotypes of relatives, but molecular approaches facilitate direct measurements of genomic variation between individuals. Agricultural and human biomedical research are both emphasizing genotype-based instruments, such as polygenic scores, but unlike in agriculture, there is an emerging consensus that family variables act nearly independently of genotyp
The high neutron flux of the European Spallation Source in Lund, Sweden, opens new possibilities for neutron protein crystallography. Making full use of these gains requires dedicated instrumentation and support facilities to maximize its contribution to our understanding of biological processes at the molecular level.
Ancient DNA has revolutionized the study of extinct and extant organisms that lived up to 2 million years ago, enabling the reconstruction of genomes from multiple extinct species, as well as the ecosystems where they once thrived. However, current DNA sequencing techniques alone cannot directly provide insights into tissue identity, gene expression dynamics, or transcriptional regulation, as thes
RATIONALE: Very preterm infants (i.e. born before 32 weeks of gestation) are at risk of cerebral injury and long-term neurodevelopmental impairment. Cerebral near-infrared spectroscopy (NIRS) enables continuous monitoring of cerebral oxygenation to guide clinical management. Interest in NIRS has grown in recent years, highlighting the need for better evidence to support its clinical efficacy in im
AIMS: A history of preeclampsia is associated with at least a twofold increased risk of coronary artery disease (CAD), with unclear underlying mechanisms. This study aimed to investigate coronary plaque characteristics in women with a history of preeclampsia compared to women from the general population.METHODS: In this cross-sectional study, women with a history of preeclampsia from the Cardiovas
Coronary artery disease is one of the leading causes of mortality worldwide. While early identification and treatment of major cardiovascular risk factors are crucial, recent data suggest the possibility of non-invasively detecting early stages of coronary atherosclerosis and potentially stabilizing or even reversing the burden of atherosclerosis with innovative and existing treatments. Moreover,
Companion AI chatbots are increasingly used to provide friendship, emotional support, and quasi-romantic relationships, with reported benefits for loneliness and mental health. At the same time, recent suicides and other serious harms allegedly linked to such systems expose gaps in existing ethical and legal frameworks. This article interrogates these gaps through four lenses: anthropomorphism, em
The book is a summary of excursion guides for the Lund University course NGEA 04 “Ecosystem analysis”—a field course week held on Öland 2000 to 2025. The guide serves as an introduction and overview of basic information about certain physical geographical environments, features, and general physiographic and ecological traits of southern Öland. Primarily, it offers a general introduction to the is
