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Could a cyber attack lead to financial crisis?
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
If loss in interbank confidence regarding banking sector balance sheets intensified the crisis in 2008, banks’ faltering confidence in other banks’ systems could cause the next crisis, experts warn. Confidence is vital to ...
Future of payments at hand
(31.05.2021)
Bank of Finland. Bulletin 2/2021
Bank of Finland. Bulletin 2/2021
Payments are a basic function in society, the lifeblood of economic activity; if disrupted, this could bring society to a total standstill. It matters how payment services and the systems executing these services are ...
Bank of Finland Bulletin : Bank of Finland articles on the economy 2/2021
(19.05.2021)
Bank of Finland. Bulletin 2/2021
Bank of Finland. Bulletin 2/2021
Accessible summary : COVID-19 is accelerating the payment revolution
(19.05.2021)
Bank of Finland. Bulletin 2/2021
Bank of Finland. Bulletin 2/2021
Payments are changing. In the same way that technological progress influences so many of the day-to-day activities of households and businesses, it affects how we make payments. The coronavirus pandemic has irreversibly ...
The overall picture of debt accumulation gets blurred as provision of consumer credit becomes diversified
(29.05.2017)
Bank of Finland. Bulletin 2/2017
Bank of Finland. Bulletin 2/2017
Finnish household debt accumulation is also rapidly increasing via consumer credit. The majority of these loans are still from credit institutions, but there is a growing number of channels for credit provision. Lending ...
The role of the central bank in a digitalising world
(11.06.2018)
Bank of Finland Bulletin. Blog
Bank of Finland Bulletin. Blog
Digitalisation holds great promise for new opportunities, but it will also usher in new challenges and risks. Businesses will enjoy lower operating costs and consumers a wider breadth of choice, while cross-sector and ...
Crypto-assets are not money
(13.06.2018)
Bank of Finland Bulletin. Blog
Bank of Finland Bulletin. Blog
Cryptocurrencies refer to virtual mediums of exchange, which are transferred from one holder to another without the use of a centralised ledger. Originally conceived as an alternative to the official monetary system, ...
Effects of the revised Payment Services Directive : first assessment
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
In retail banking, the two key services are the provision of credit and management of payment transfers. The revised Payment Services Directive (PSD2), which regulates payment transfers, entered into force in Finland for ...
Money in the digital era
(08.06.2018)
Bank of Finland Bulletin. Blog
Bank of Finland Bulletin. Blog
Digitalisation is currently the most significant force transforming banking as well as the entire financial industry at large. Most payment and financial services have already shifted online and are readily accessible ...
Nordic banks go digital
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
The Nordic countries are the most digital societies in Europe, which is also reflected in past and future investment within the Nordic banking sector in digital business models. Keeping up with digitalisation helps these ...