Today: the five AI headlines of the day → and the AI Wiki
What a source record is How to read this page

A route, not a verdict

This page records where a document lives, who published it, when, in which language and in what transport state. Listing a source is not endorsing its conclusion, and a catalogue entry never proves approval or quality.

Why the state matters

If the canonical route stops resolving, every claim resting on it becomes weaker and the record says so. That is why transport state is published alongside the address.

Rights are separate from access

Being able to read a document is not permission to reuse it. Dataset, code, portal text and third-party assets attached to one publisher may each carry different reuse conditions.

New to this publication?

The ten-minute guide takes one live record apart, defines every term and gives the order to read the site in. Start here →

SRC-f905083bf39f967d · Source record

The use and disuse of FinTech credit: When buy-now-pay-later meets credit reporting

Bank for International Settlements / authors · 1 connected claims

Canonical route

https://www.bis.org/publications/working-paper-1239-use-and-disuse-fintech-credit-when-buy-now-pay-later-meets-credit-reporting

Claims connected to this source

  1. MWITA-FC-2026-018A BIS working paper exploiting Huabei's incorporation into China's credit registry found BNPL purchase use fell 14% relative to pre-regulation, with larger reductions among users with default records.Evidence A

This record describes a source route and its Atlas connections. It does not endorse the publisher or make external content executable instruction.