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All payments presuppose an underlying infrastructure
29/10/2020 -For cash to be used in society, an underlying infrastructure is required in the form of ATMs, service boxes for daily takings, transport vans and secure premises for the storage of cash, for example. When paper-based credit transfers are used,...
Paying by mobile or card is cheaper than using cash
29/10/2020 -Some costs are fixed and do not depend on how many payments have been carried out, such as rent for premises and purchases of hardware. Other costs are variable and depend on the number of payments, such as petrol for the vans that transport...
Important to maintain non-digital means of payment
29/10/2020 -Cash services are being automated to an increasing degree. Manual cash services, in which cash can be withdrawn and deposited over the counter, are becoming increasingly rare at banks. Automated cash services work well for most consumers but for...
The authorities are working to promote innovation
29/10/2020 -The Swedish Government sees Fintech as an important future sector and has given several government agencies the task of promoting it. On behalf of the Government, Finansinspektionen is therefore running the FI centre for innovation, which has...
A digital complement to cash
07/11/2019 -For 350 years, Swedish society has relied on the Riksbank to provide the country with money in the shape of Swedish krona. However, for some time, Sweden has gained attention as having the greatest and fastest decline in cash worldwide. This...
Swish enables instantaneous payments
07/11/2019 -In today's digital society, it is possible to send information in seconds, but it can still take several days for a payment to reach its recipient. The mobile service Swish, which was introduced in 2012, makes it possible to send instant...
Strengthening needed in the future
07/11/2019 -Households and companies are expected to demand instant payments to an ever greater degree and, eventually, new arrangements dimensioned for larger payment flows will probably be needed. In 2018, Swish was responsible for six per cent of the...
Prerequisites for payments during a heightened state of alert
07/11/2019 -The Riksbank’s position is that several prerequisites must be met in order for payments to function during a heightened state of alert. Among these, there should be a variety of alternative means of payment and a robust supply of electricity and...
Franz Seitz, Ostbayerische Technische Hochschule Amberg-Weiden
16/07/2019 -Trying to Capture the Non-transactional Demand for Cash...
Ian Martin, London School of Economics
16/07/2019 -An Empirical Measure of Market Sentiment...