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Card and cash payments - the social perspective in Sweden
Södertörns högskola, Nationalekonomi.ORCID-id: 0000-0001-5026-9479
2009 (Svenska)Ingår i: Evolving payment habits: proceedings of the Bank of Finland Payment Habits Seminar 2008 / [ed] Harry Leinonen, Helsinki: Suomen Pankk , 2009, s. 21-42Konferensbidrag, Publicerat paper (Övrigt vetenskapligt)
Abstract [en]

The modern market economy depends on the ability to make payments simply and inexpensively. Yet surprisingly little is known about the impact of these payments. In this article, we describe both the fundamental problems and costs in the use of cards and cash in Sweden, from a social perspective. We estimate that the cost to society of the use of cards and cash amounts to 0.4% of GDP. Cash payments tend to be more expensive than card payments, and the results indicate that cash is overused. The choice that the consumer makes between card and cash is largely determined by the size of the payment and the age and education of the consumer. The consumer also appears to be influenced by cost implications. A balanced use of withdrawal fees for cash and transaction fees for cards could therefore result in more efficient use of the payment system in Sweden.

Ort, förlag, år, upplaga, sidor
Helsinki: Suomen Pankk , 2009. s. 21-42
Serie
Expository studies. A / Bank of Finland, ISSN 1798-1050, E-ISSN 1798-1069 ; 113
Nationell ämneskategori
Nationalekonomi
Identifikatorer
URN: urn:nbn:se:umu:diva-219637ISBN: 978-952-462-536-4 (tryckt)ISBN: 978-952-462-537-1 (digital)OAI: oai:DiVA.org:umu-219637DiVA, id: diva2:1828802
Konferens
The Bank of Finland Payment Habits Seminar 2008
Tillgänglig från: 2024-01-17 Skapad: 2024-01-17 Senast uppdaterad: 2024-01-18Bibliografiskt granskad

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Bergman, Mats

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Bergman, Mats
Nationalekonomi

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Totalt: 13 träffar
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