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Betalningssystemets alarmerande tillstånd: En litteraturstudie kring det nuvarande monetära betalningssystemet i Sverige, och Bitcoin som ett alternativt betalningssystem
Mälardalen University, School of Business, Society and Engineering.
Mälardalen University, School of Business, Society and Engineering.
2019 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

Purpose:      The purpose of this study is to investigate what risks the current monetary payment system used in Sweden is exposed to, as well as to which alternative solutions can be applied, and to investigate whether Bitcoin can be part of the solution. Furthermore, a detailed review will be made of the various payment systems currently used in Sweden and its various components in order to thereby draw some conclusions. 

Method:        This study is a literature study based on four factors, full reserve banking, fractional reserve banking, current payment system and Bitcoin. By examining these depths to gain a broader understanding of the different components influence on each other, and thereby being able to draw the conclusion generated by the work. For this study, we have used a qualitative method, more specifically a content analysis with inductive approach. 

Conclusion:                    Based on the information gathered during the course of the work, we can conclude that the payment systems exposure to risk is linked to the risks that the banks take through their money lending activities, and that all payment systems are provided as public services by the banks infrastructure. The conclusion we can draw from this literature study can be summarized in that the current payment system lacks two attributes in order to be considered long-term sustainable. These attributes consist of a separated payment system, and implementation of full reserve banking. Bitcoin fulfills both of these attributes.

Place, publisher, year, edition, pages
2019. , p. 32
Keywords [en]
Payment system, Fractional reserve banking, Full reserve banking, Bitcoin, Fiat, Crypto, Cryptocurrency
Keywords [sv]
Betalningssystem, Fractional reserve banking, Full reserve banking, Bitcoin, Betalningsinfrastruktur, Fiat, Crypto, Kryptovaluta.
National Category
Business Administration
Identifiers
URN: urn:nbn:se:mdh:diva-43775OAI: oai:DiVA.org:mdh-43775DiVA, id: diva2:1322196
Subject / course
Business Administration
Supervisors
Examiners
Available from: 2019-06-18 Created: 2019-06-10 Last updated: 2019-06-18Bibliographically approved

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CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • 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