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How we pay affects the cost
23/03/2023 -How we pay affects the cost Swedes prefer to pay digitally, for example by card or the Swish payment app. An important explanation for this is that the digital alternatives are perceived as simple and convenient.[5] See, for example, the Payment...
References
20/12/2022 -References Akkaya, Yildiz, Jakob Almerud, Erika Färnstrand Damsgaard, Marta Giagheddu, Birol Kanik, Tobias Laun, Henrik Lundvall and Rachatar Nilavongse (2021), “SELMA: Svensk Ekonomisk Lineariserad Modell för samhällsekonomisk Analys” [Swedish...
Values beyond cost-efficiency
23/03/2023 -Values beyond cost-efficiency Finally, we would like to emphasise that both the cost studies and the reasoning in this Economic Commentary only deal with costs and cost-efficiency. We therefore only look at the time and resources that different...
Summary
20/12/2022 -Summary Since 2021, inflation has risen and monetary policy has been tightened in many countries. Central banks have raised their policy rates by several percentage points and started to reduce their holdings of financial assets. These are...
Introduction
23/03/2023 -Introduction Payments are necessary for the functioning of the economy. At the same time, payments consume extensive resources. In the Riksbank's Cost Study, published today, the authors estimate that the social cost of payments in Sweden amounts...
Higher transparency requirements after the financial crisis
03/11/2022 -Higher transparency requirements after the financial crisis One lesson from the global financial crisis was that banks around the world needed to become more transparent. Banks' operations and financial products had been becoming more complex...
Need for transparency on climate risks
03/11/2022 -Need for transparency on climate risks The financial system plays an important role in the climate transition and there must be sufficient transparency on climate related risks. Authorities and banks must continue enhancing transparency and...
How much is inflation affected by monetary policy?
20/12/2022 -How much is inflation affected by monetary policy?...
Transparency for efficiency and financial stability
03/11/2022 -Transparency for efficiency and financial stability...
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...