This paper summarizes a survey of costs and income in the payment system of Norwegian banks in 2001. The cost analysis was carried out by using the activity based costing (ABC) framework. The results from this analysis are presented in the paper, combined with information from other sources to...

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...