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Lika handlare tänker olika: En studie om korttransaktionskostnader och beloppsgränser
Örebro University, Orebro University School of Business, Örebro University, Sweden.
Örebro University, Orebro University School of Business, Örebro University, Sweden.
Örebro University, Orebro University School of Business, Örebro University, Sweden.
2013 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

As a consumer, you can use cards for payment more or less everywhere you go, however, it is not certain that the card can be used for all purchases. When a customer pays with card there arises a card transaction fee charged to the merchant. This is a big problem for businesses where transactions with small amounts are a large portion of sales. An observation at the beginning of this study showed that seemingly similar merchants have chosen to solve this problem in different ways. Some merchant’s refuses card purchases below a certain amount, while others accept card with any purchase. This study aims to create understanding why there is a difference between these merchants. Fifteen different merchants in kiosks, shops, cafes and convenience stores were interviewed. To analyze the collected data the investigator’s used “The Balanced Scorecard”. The model’s purpose is to illustrate a way of thinking of performance management and which factors are of importance. The responses from the interviews were categorized into “The Balanced Scorecards” four perspectives in order to see differences, similarities and patterns. The survey shows two distinct patterns. The six merchants who chosen not to have a threshold for card payments says that service towards the customers is the most important factor behind the decision. These merchants are aware that some purchases are unprofitable but they see a better financial result in future if their customers are satisfied. All of the other nine merchants who have a threshold indicate financial motives as a basis for their decisions. These merchants are more likely to see the effect to the individual transaction in which the nonprofitability of each purchase gives an inferior total result and therefore should be avoided.

Place, publisher, year, edition, pages
2013. , 41 p.
Keyword [en]
Balanced Scorecard, card payment, card transaction costs, charge card, distribution of costs, financial control, merchants, performance management
Keyword [sv]
Balanced Scorecard, Beloppsgräns, Betalkort, Ekonomistyrning, Handlare, Korttransaktionsavgifter, Kostnadsfördelning, Verksamhetsstyrning
National Category
Business Administration
URN: urn:nbn:se:oru:diva-29952ISRN: ORU-HHS/FEK-GK-2013/0045--SEOAI: diva2:635390
Subject / course
Available from: 2013-08-13 Created: 2013-07-03 Last updated: 2013-08-13Bibliographically approved

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Orebro University School of Business, Örebro University, Sweden
Business Administration

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