CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf
PSD2 and its implications for consumer behaviour: - A case study focused on the Swedish financial service sector
KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.).
2018 (English)Independent thesis Advanced level (degree of Master (Two Years)), 20 credits / 30 HE creditsStudent thesisAlternative title
PSD2 och dess konsekvenser för konsumentbeteenden : - En fallstudie med fokus på Sveriges finanstjänstesektor (Swedish)
Abstract [en]

This thesis examines and provides insight into the financial services industry and how the new payment services directive, PSD2, may come to change consumer behaviour and thereby the industry. The research is exploratory and relies on a quantitative consumer-facing survey as well as four semi-structured interviews with representatives from some of Sweden's largest banks and third party payment providers. The results show that it is likely that the increased competition will open up the market for new actors in the market acting as financial marketplaces thereby leading to minimising the tradeoff between simplicity and multiple providers. As such, in the future we will likely see less consumer loyalty and more focus on the individual products and services as opposed to who is providing them.

Abstract [sv]

Detta examensarbete undersöker och ämnar att bidra med insikt i den svenska finanstjänstesektorn och hur det nya betaltjänstdirektivet, PSD2, kan komma att förändra konsumentbeteenden och därmed branschen. Arbetet är explorativt och utgår från en enkät riktad till konsumenter samt fyra stycken semi-strukturerade intervjuer med representanter från några av Sveriges största banker och tredjepartsaktörer. Resultaten visar att det är sannolikt att ökad konkurrens kommer att öppna upp marknaden för nya aktörer att verka som finansiella marknadsplatser vilket minimerar kompromissen av att välja mellan enkelhet och flertalet leverantörer. Följaktligen kommer vi sannolikt se mindre konsumentlojalitet och mer fokus på de individuella produkterna och tjänsterna snarare än leverantör.

Place, publisher, year, edition, pages
2018. , p. 54
Series
TRITA-ITM-EX ; 2018:116
Keywords [en]
PSD2; PSD; Payment Service Directive; Financial Services; Fintech; Banking; Blue Ocean Strategy; Diffusion of Innovations; Switching Costs; Network Effects
Keywords [sv]
PSD2; PSD; Payment Service Directive; Finansiella tjänster; Fintech; Bankbranschen; Blue Ocean Strategy; Diffusion of Innovations; Switching Costs; Network Effects
National Category
Other Engineering and Technologies
Identifiers
URN: urn:nbn:se:kth:diva-241121OAI: oai:DiVA.org:kth-241121DiVA, id: diva2:1278008
Presentation
2018-07-05, 00:00 (English)
Supervisors
Examiners
Available from: 2019-01-11 Created: 2019-01-11 Last updated: 2019-01-11Bibliographically approved

Open Access in DiVA

fulltext(1975 kB)382 downloads
File information
File name FULLTEXT01.pdfFile size 1975 kBChecksum SHA-512
1b5a0bee25f273977e665dbf43f4bfa5c051dcec8f63b33be5451a41f3fc722a36919fbb7d3843f647ffc8ccbce584a2ef6f278a3442ddb25fdca66f9b6292eb
Type fulltextMimetype application/pdf

By organisation
Industrial Economics and Management (Dept.)
Other Engineering and Technologies

Search outside of DiVA

GoogleGoogle Scholar
Total: 382 downloads
The number of downloads is the sum of all downloads of full texts. It may include eg previous versions that are now no longer available

urn-nbn

Altmetric score

urn-nbn
Total: 341 hits
CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf