Titlebook: Building a Cashless Society; The Swedish Route to Niklas Arvidsson Book‘‘‘‘‘‘‘‘ 2019 The Editor(s) (if applicable) and The Author(s) 2019 O

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Renotation from Optical Music Recognitionimage of what is happening, but how do people actually handle payments? This cannot be seen in numbers but needs stories. Here are stories that reflect different aspects of living in a close to cash-free society.

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Book‘‘‘‘‘‘‘‘ 2019ies to learn from - whether they want to stimulate or reduce the use of cash. This highly topical book will be of interest to politicians, researchers, businesses, financial service providers and payment service providers, as well as fintech start-ups, regulators and other authorities.  

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The Story of Cash and the Route Toward a Cashless Society: The Case of Sweden,e first banks were created as the chancellor of the realm Axel Oxenstierna stressed the need for banks that could create a better connection between savings and lending in Sweden. As most of the times, this also was in the interest of the King of Sweden Karl X Gustav who was fighting wars in Poland and in need of money to finance the war efforts.

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Understanding the Process Toward a Cashless Society,actors such as politics, culture, laws, environmental aspects, or internationalization in isolation. Complex patterns of transformation are ideally studied by acknowledging this complexity while at the same time trying to reduce this complexity into understandable patterns and structures.

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Raymond Whorley,Darrell ConklinOne important lesson from this story of how Sweden is becoming a cashless society is that the process—if becoming cashless is seen as a goal—cannot be governed from above. A top-down driven approach is not likely to succeed as a stand-alone strategy. This is not to say that governments and central banks should leave it to the market.

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