The cost of consumer payments in Sweden

Arbeitspapier

We estimate the social and private costs of consumer-to-business payments in Sweden in 2009. The combined social cost for these payments was 0.68 per cent of GDP. At the point of sale, cash is socially less costly than debit cards for payments below EUR 1.88 (SEK 20) and credit cards below EUR 42.37 (SEK 450). The corresponding thresholds for the individual consumer are higher for debit cards and much lower for credit cards. Using unique survey data we show that consumers' payment behaviour is not consistent with what is socially optimal.

Angaben zum Objekt

• Sprache: Englisch

Verweise und Beziehungen

• Erschienen in: Series: Sveriges Riksbank Working Paper Series ; No. 262

Klassifikation und Themen

• Klassifikation: Wirtschaft ; Consumer Economics: Empirical Analysis ; Organizational Behavior; Transaction Costs; Property Rights ; Production; Cost; Capital; Capital, Total Factor, and Multifactor Productivity; Capacity
• Thema: Cash payments ; Card payments ; Credit transfers ; Direct debits ; Social costs ; Private costs ; Zahlungsverkehr ; Bargeldloser Zahlungsverkehr ; Kredittilgung ; Soziale Kosten ; Schweden

Beteiligte, Orts- und Zeitangaben

• Ereignis: Geistige Schöpfung
• (wer): Segendorf, Björn ; Jansson, Thomas
• Ereignis: Veröffentlichung
• (wer): Sveriges Riksbank
• (wo): Stockholm
• (wann): 2012

Weitere Informationen

• Handle: http://hdl.handle.net/10419/81925
• Letzte Aktualisierung: 10.03.2025, 11:42 MEZ