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.

Norge har et effektivt betalingssystem sammenlignet med de fleste andre land. Dette er dokumentert gjennom Norges Banks kostnadsundersøkelser og i bankens årsrapporter om betalingssystem. Det er likevel rom for forbedringer. Økt bruk av elektronisk faktura er i dag trolig den største kilden...

This article is a slightly revised version of Chapter II (the summary) of Norges Bank's Occasional Paper No. 48, published in Norwegian, which surveys financial sector developments and Norges Bank's financial sector role in the period 1945-2013. In particular, it documents the main developments...