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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 ...
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 ...
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 ...
Digitalisation poses new security challenges for payment systems
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
Reliable payment and settlement systems are basic requirements for maintaining financial stability and fostering economic activity. The smooth functioning of society would quickly become disrupted if businesses and households ...
Lowering the loan cap will reduce the risks associated with debt
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
A macroprudential decision taken by the Financial Supervisory Authority's Board in early spring to tighten the maximum loan-to-collateral (LTC) ratio for housing loans will bolster the stability of the Finnish financial ...
How can we measure the economy in the digital era?
(29.06.2017)
Bank of Finland. Bulletin 3/2017
Bank of Finland. Bulletin 3/2017
The impact of digitalisation is not fully reflected in economic statistics. Even though the commonly used economic metrics such as GDP are still relevant in assessing the state of the economy, the production of statistics ...