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The Riksbank adapts its systems
07/11/2019 -Most payments in Sweden are currently settled in the Riksbank’s settlement system for large-value payments (RIX). As RIX is constructed for large-value payments between financial institutions, all smaller payments between bank customers have to...
Web seminar with Diana Bonfim, Banco de Portugal & Católica Lisbon
18/06/2020 -Why so negative? The effect of monetary policy on bank credit supply across the euro area...
Web seminar with Yuriy Gorodnichenko, University of California, Berkeley
13/08/2020 -Forward Guidance and Household Expectations...
Web seminar with Nora Traum, HEC Montreal
13/08/2020 -The Macroeconomic Effects of a Carbon Tax: The Role of Investment...
Web seminar with Adi Sunderam, Harvard University
22/09/2020 -TBA...
Why are we no longer using cash?
07/11/2019 -More and more Swedes no longer use cash. In 2010, 39 per cent of the respondents in the Riksbank’s survey on payment habits in Sweden said that they paid for their most recent purchase in cash. In 2018, this figure had fallen to 13 per cent. At...
Do we have the right to pay in cash?
07/11/2019 -Under the Sveriges Riksbank Act, cash is legal tender in Sweden, which means that it is to be accepted as payment everywhere. But the rule can be waived by agreement by shops, restaurants, etc., via what is known as freedom of contract. In other...
Do we have the right to demand cash services at banks?
07/11/2019 -Freedom of contract also applies in principle to banks in relation to their customers. Here, too, the agreement can be written or verbal. It is therefore not necessarily a question of an actual written contract; it is sufficient for the bank to...
Seven out of ten Swedes use Swish
07/11/2019 -The Swish payment app was launched at the end of 2012. It enables people to make instant, real-time payments from their payment account to other payment accounts. Since 2012, the number of payments made via the app has increased sharply. In...
Large payments take place via transfers
07/11/2019 -The picture is different if we instead look at the value of payments. In Sweden, total payments at an estimated value of almost four times the country’s GDP were made in 2018. Credit transfers make up almost all this value. It is mainly a...