Mette Marie Næser Seldal

• Nyhus, Ellen Katrine & Seldal, Mette Marie Næser (2025). Finansiell kunnskap og pensjonsatferd. Magma forskning og viten. ISSN 1500-0788. 28(2), p. 65–74. doi: 10.23865/magma.v28.1495. Full text in Research Archive Show summary

  In recent decades, the Norwegian pension system has changed in a way that requires employees to make more decisions affecting their own pensions than before. Particularly important are choices related to the management of occupational pensions and personal pension savings. This article examines whether all employees can be assumed to have the necessary knowledge to handle this responsibility. We analyze data collected from a representative sample of the adult Norwegian population to highlight the importance of financial knowledge in making good decisions about saving and management of pension wealth. The findings show that differences in knowledge can lead to significant disparities in pension savings and returns. Employees with low financial knowledge are less likely to check how much they should save for retirement, to save for retirement themselves, and to invest in the stock market.

• Seldal, Mette Marie Næser & Nyhus, Ellen Katrine (2022). Financial Vulnerability, Financial Literacy, and the Use of Digital Payment Technologies. Journal of Consumer Policy. ISSN 0168-7034. 45, p. 281–306. doi: 10.1007/s10603-022-09512-9. Full text in Research Archive Show summary

  The purpose of this study is to test the notion that the use of digital payment methods, such as paying with a mobile phone, increases the risk of financial vulnerability. Research from the USA indicates such a relationship, and we study whether this finding can be generalized to other countries. Motivated by recent changes in EU legislation related to financial transactions, we also examine willingness to use social media companies for money transfers along with sharing bank account information with third-party financial services. Exploiting data collected from a representative sample of the Norwegian adult population (n = 2202), we identify differences in financial behaviour and characteristics between users and nonusers of different digital payment methods. In contrast to US studies, we find that mobile payment users were less financially vulnerable than nonusers and those women were more likely users of digital payment technologies than men. Younger generations and those with low financial literacy were more financially vulnerable than others, although we did not find this to be related to the use of mobile payment or other digital payment methods. The results show that there is a need for more research from different countries outside of the USA to obtain an understanding of the consequences of increased digitalization of financial services. In addition, as COVID-19 has shifted a vast amount of spending online and these newer payment technologies have become more available, we need to gain a better understanding of how they influence financial behaviour.

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• Seldal, Mette Marie Næser & Nyhus, Ellen K. (2025). Motives for spending and saving, and the use of mental accounting in digital banks. Full text in Research Archive
• Seldal, Mette Marie Næser & Nyhus, Ellen K. (2019). Characteristics of first adopters of new payment technologies and their financial behavior. Full text in Research Archive

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