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Konkurrensen för de svenska storbankerna: på betaltjänstmarknaden efterimplementeringen av PSD2
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.
2018 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
Competition for the Swedish major banks : in the payment service market after the implementationof PSD2 (English)
Abstract [sv]

Titel: Konkurrensen för de svenska storbankerna på betaltjänstmarknaden efterimplementeringen av PSD2.

Bakgrund: Utvecklingen inom betaltjänster har under de senaste åren gått fort fram. Enligt Europeiska Kommissionen har utvecklingen krävt en mer uppdaterad lagstiftning. Betaltjänstdirektivet implementerades i Svensk Lag i maj 2018. PSD2 huvudsakliga syfte är att främja konkurrens samt säkra betalningar och informationsdelning.

Problematisering: Hur kommer konkurrensen på betaltjänstmarknaden för de svenskastorbankerna att förändras efter implementeringen av PSD2?

Syfte: Uppsatsens syfte är att leda till en djupare förståelse och diskussion för hur PSD2kommer att påverka den svenska betaltjänstmarknaden ur ett konkurrensperspektiv.

Metod: Uppsatsen är byggd utifrån en kunskapsgrund bestående av teorier inom ämnet samtav en kvalitativ metod bestående av semistrukturerade intervjuer. Uppsatsen är begränsad tillatt analysera den svenska betaltjänstmarknaden samt de svenska storbankerna.

Slutsats: PSD2 kommer att öka konkurrensen för betaltjänster för de svenska storbankerna.Vilken konkurrensposition de olika bankerna kommer att ha kommer främst att bero påbankens val av strategi och samarbetspartners, men även hur konkurrerande aktörer agerar.

Nyckelord: PSD2, fintech, Nyinstitutionell teori, Operationella strategier, betaltjänster,konkurrens

Abstract [en]

Title: Competition for the Swedish major banks in the payment service market after theimplementation of PSD2.

Background: The development of payment services has accelerated in recent years. According to the European Commission, the development has increased the need for a moreupdated legislation. The Payment Services Directive was implemented in Swedish Law inMay 2018. The main objective of PSD2 is to promote competition and secure payments andinformation sharing.

Problem: How will the competition in the payment service market for the Swedish majorbanks change after the implementation of PSD2?

Purpose: The purpose of this essay is to develop a deeper understanding and discussion ofhow PSD2 will impact the Swedish payment service.

Method: The essay is based on existing theories in the subject field and a qualitative methodconsisting of semi-structured interviews. The essay is limited to analysing the Swedishpayment service market and the Swedish major banks.

Conclusion: PSD2 will increase the competition for provision of payment services for theSwedish major banks. The competitive position in the payment market of the Swedish majorbanks will primarily rely on a bank’s choice of strategy and partners, but also on howcompeting actors will act.

Keyword: PSD2, fintech, New-institutional theory, Operational strategies, Payment services, Competition

Place, publisher, year, edition, pages
2018. , p. 67
Series
TRITA-ABE-MBT ; 18221
Keywords [en]
PSD2, fintech, New-Institutional theory, Operational Strategies, Payment service, Competition
Keywords [sv]
PSD2, fintech, Nyinstitutionell teori, Operationella strategier, betaltjänster, konkurrens
National Category
Engineering and Technology
Identifiers
URN: urn:nbn:se:kth:diva-231856OAI: oai:DiVA.org:kth-231856DiVA, id: diva2:1230491
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Examiners
Available from: 2018-07-03 Created: 2018-07-03 Last updated: 2018-07-03Bibliographically approved

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