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Business model: Significant credit and technology risks limit profitability
05/09/2023 -Business model: Significant credit and technology risks limit profitability The BNPL business model has so far shown at least the potential to be profitable – depending on the market in which it is offered and the strategy chosen by the...
The payment product and checkout solution: Could be changed in the event of problems – at least in the short term
05/09/2023 -The payment product and checkout solution: Could be changed in the event of problems – at least in the short term Based on our analysis, we consider that BNPL itself is not systemically important for e-commerce payments as long as there is a...
Concluding remarks
05/09/2023 -Concluding remarks There are two key aspects whereby BNPL can pose risks to financial stability: The indirect interconnectedness of the BNPL providers and their dependence on insured deposits. This is especially true given that a significant part...
E-commerce has grown explosively in recent years together with various new payment solutions
05/09/2023 -E-commerce has grown explosively in recent years together with various new payment solutions E-commerce has grown rapidly in recent years. By the end of 2022, it had total sales of around SEK 136 billion – a doubling of sales volumes compared to...
Monetary Policy Reports and Updates
26/04/2023 -The Executive Board normally holds eight monetary policy meetings per year, at which it takes decisions on monetary policy. A Monetary Policy Report is published in conjunction with every second meeting, four times a year, while a shorter...
Buy now, pay later – a threat to financial stability?
05/09/2023 -Buy now, pay later – a threat to financial stability?...
An overview of fintech and cryptoassets
19/05/2022 -An overview of fintech and cryptoassets...
Staff memos
20/01/2026 -Staff memos consist of longer analyses of issues linked to the Riksbank’s operations. The opinions expressed in staff memos are those of the authors and are not to be seen as the Riksbank’s standpoint.
Skingsley: How the Riksbank encourages innovation in the retail payments market
17/01/2018 -“Central banks play an important role with regard to developments in the retail payments market. What we do and what we do not do determines the pace and the substance of innovation in the financial system. Central banks have a responsibility...