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Effekterna av minskad kontanthantering - En studie om konsekvenserna av storbankernas avveckling av den manuella kontanthanteringen
KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
2013 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
The effects of reduces cash management -A report about the consequences that arise when the commercial banks reduce their manual cash management (English)
Abstract [sv]

Kontanter har använts i flera århundranden och är ett sedvanligt betalningsmedel mellan

privatpersoner och på inköpsstället. I takt med teknikens framfart har alltfler betalningsmedel utvecklats och anpassats till marknaden. Idag sker cirka 70 procent av alla köp i butik med kort. Detta gör att kontanternas användning plötsligt ifrågasätts och därmed väljer majoriteten av Sveriges storbanker att succesivt avveckla den manuella kontanthanteringen. Tanken är att försöka lära konsumenter och företag att använda alternativa lösningar som utgör substitut till kontanter. Dock beror efterfrågan på kontanter utav en demografisk utveckling. Kontantanvändningen är högre bland äldre och de har också format sina vanor under längre tid. För andra grupper såsom landsbygdsföretag, funktionshindrade, papperslösa och turister är kontanter essentiella, vilket gör att de hamnat i kläm vid avvecklandet. Andra har personliga preferenser till kontanters nytta såsom integritet, förtroende, tid, vana eller andra värderingar. Problemet blir således en demokratisk fråga där alla skall ha rätt till grundläggande betaltjänster. Studiens syfte är därför att förstå denna process och vilka effekter som uppstår när de flesta storbanker väljer att avveckla den manuella kontanthanteringen. Syftet har delats in i tre huvudproblem:

    Vems ansvar är det när en av de grundläggande betaltjänsterna försvinner i samhället?

    Vilka blir konsekvenserna med en minskad kontanthantering?

    Vilka alternativa lösningar finns det för problemen?

Sammanfattningsvis kom studien fram till att bankernas avveckling av kontanthantering har skett snabbare än nya lösningar har introducerats i samhället. Effekterna av denna avveckling har medfört problem för flera grupper. Resultaten visar även att bankerna kunde ha effektiviserat och avgiftsbelagt kontanter innan avvecklingen skedde.

Abstract [en]

Cash has been used for centuries and is a customary mean of payment between individuals and on the place of purchase. As technology progresses, a growing number of different payment services has developed and been adapted to the market. Today, approximately 70 percentages of all purchases in the stores is made by card. This has suddenly challenged the use of cash and therefore the majority of Sweden’s major banks have chosen to gradually phase out the manual cash management. The idea is to try to get consumers and businesses to use alternative solutions, which are substitutes for cash. However, the demand for cash depends on demographical conditions. The use of cash is more frequent among eldest and they have also shaped their habits over a longer time. For other groups, such as small firms on the countryside, disabled, undocumented migrants and tourists, cash is essential, so they are left in a jam. Others have personal preferences related to the use of cash such as integrity, trust, time, habits, or other values.

Everyone is entitled to basic payment services, thus becomes the problem a question of democracy.

The purpose of the study is to understand this process and to be aware of the effects that arise when most of the major banks will interrupt their manual cash management. The purpose has been divided into three main parts:

 Whose responsibility is it when one of the basic payment services disappears in the society?

 What are the consequences when there is a reduction of cash?

 What are the alternative solutions?

Overall, the study concluded that the banks' reduction of cash has been faster than the introductions of new solutions have been introduced into society. The effect of this decision has caused problems for several groups. The results of the study show that the banks could have improved the efficiency and they could also have introduced a fee on cash before the settlement was made.

Place, publisher, year, edition, pages
2013.
Keyword [en]
Cash, payment services, reduced cash management
Keyword [sv]
Kontanter, betaltjänster, avveckling av kontanthantering
National Category
Engineering and Technology
Identifiers
URN: urn:nbn:se:kth:diva-128520OAI: oai:DiVA.org:kth-128520DiVA: diva2:647802
Supervisors
Examiners
Available from: 2013-09-12 Created: 2013-09-12 Last updated: 2013-09-12Bibliographically approved

Open Access in DiVA

Robert Pejic and Tiam Torkaman(898 kB)840 downloads
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