A general econometric model is developed and used to estimate the share of cash in consumer point-of-sale transactions in Norway over 1980-99. The share of cash fell from 90% during the 1980s to 50% in 1999, primarily due to debit card growth. Additional data from banks, stores, and elsewhere...

Dette notatet omtaler endringen i risiko som skjer når en tradisjonell bank, gjennom å danne et finanskonsern, utvider virksomheten sin til å omfatte flere typer inn- og utlånsvirksomhet, handel i valuta og verdipapirer på egne og kunders vegne, ulike emisjons- og...

We use different empirical methods for estimating the use of cash in Norway. One method gives an estimate of the "maximum" value of cash use at point of sale. A second estimates the minimum use of cash in the society calculated from new information uncovered by a recent reorganisation of the...

The analysis covers social costs associated with payment cards, giros and cash. The bulk of retail payments in Norway are settled by means of these instruments. The social costs of using and producing these payment services are estimated to be NOK 10.97 billion in 2007, equivalent to 0.48 % of...

We calculate social and private cost for the use and production of payment services in Norway for 2007. The calculations include banks', merchants' and households' cost for cash, cards and giro payments. The social cost is calculated to be 0.49 % of GDP, or NOK 11.16 billion. Costs are also...

In this memo, questionnaires for the study: "Costs in the Norwegian payment system" are shown. The study included three surveys, towards Merchants, Households and Banks.