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Risks to the financial system: Difficult to assess but driven by the providers’ indirect interconnectedness
05/09/2023 -Risks to the financial system: Difficult to assess but driven by the providers’ indirect interconnectedness Given that the BNPL providers have exposures towards the same segment, similar business models and fund themselves in a similar way, they...
The fintech sector has grown rapidly
19/05/2022 -The fintech sector has grown rapidly The Swedish fintech sector grew 15-fold between 2008 and 2018 The Swedish Agency for Growth Policy Analysis published a report in 2020 in which they studied the Swedish fintech sector.[21] See Growth Analysis...
More focus on consumer protection than financial stability risks
05/09/2023 -More focus on consumer protection than financial stability risks As BNPL has grown in popularity, so has criticism of it. This criticism has focused partly on the product itself from a consumer protection perspective and partly on the...
Increased real-time data collection and new methods
07/04/2022 -Increased real-time data collection and new methods Statistics and various indicators that the Riksbank normally relies upon to assess economic developments are published once a month or once a quarter, and are subject to a certain time lag. The...
Appendix – Data and calculation method
12/04/2022 -Appendix – Data and calculation method Data on greenhouse gas emissions The Riksbank uses data on greenhouse gas emissions from the UNFCCC. However, it is not the UNFCCC that makes the estimates of greenhouse gas emissions. This is done at...
Summary
19/05/2022 -Summary Fintech is defined in this staff memo as when financial services are combined with new technology. The fintech area includes many of the traditional services we associate with the financial system such as lending and payment mediation,...
Fintech firms adhere to traditional financial legislation
19/05/2022 -Fintech firms adhere to traditional financial legislation Like other financial firms, fintech firms comply with prevailing legislation. In certain cases, however, fintech operations can circumvent this by using new technology (see the section...
Risk assessment framework and methodology
05/09/2023 -Risk assessment framework and methodology Financial stability is defined as a financial system that is stable and efficient, which also includes the ability of the public to make payments. To evaluate the potential risks of BNPL, we need to...
What is fintech?
19/05/2022 -What is fintech? Fintech can be defined as financial services combined with new technological innovations. Fintech activities are found in numerous parts of the financial system and include, for example, payment mediation and lending. Operations...