Please use this identifier to cite or link to this item: http://hdl.handle.net/10419/82393
Authors: 
Guibourg, Gabriela
Segendorf, Björn
Year of Publication: 
2004
Series/Report no.: 
Sveriges Riksbank Working Paper Series 172
Abstract: 
We estimate private costs in the Swedish banking sector for the production of payment services and investigate to what extent the price structure reflects the estimated cost structure. We find that (i) banks tend to use two-part tariffs but (ii) variable costs are poorly reflected in transaction fees towards both consumers and corporate customers. (iii) there exist large cross subsidies between different payment services, foremost from acquiring card payments to cash distribution to the public, while payment services as a whole is not subsidized.
Subjects: 
retail payments
two-part tariffs
private costs
price structure
economies of scale
JEL: 
E58
G21
L11
L13
L14
L89
Document Type: 
Working Paper

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