Seminar 2008

The Bank of Finland hosted the 2nd Payment Habits 2010+ seminar on 27-28 August 2008 at Bank of Finland, Helsinki.

The programme and seminar material for the second Payment Habits 2010+ seminar is given below.

The views expressed in the slides are research findings and are those of the authors and do not necessarily reflect the views of the Bank of Finland.

Seminar material

Day 1

  • Anneke Kosse, De Nederlandsche Bank: How to measure the number of cash payments: A pilot study of seven possible methodologies, presentation and paper
  • Harald Haare, Norges Bank: Payment habits at point-of-sale - in Norway and elsewhere, presentation and paper
  • Ari Hyytinen, University of Jyväskylä and Tuomas Takalo, Bank of Finland: Consumer awareness and the use of payment media: evidence from young Finnish consumers, presentation and paper

Day 2

  • Carlos Arango and Varya Taylor, Bank of Canada: Merchant Acceptance, Costs and Perceptions of Retail Payments:
    A Canadian Survey, presentation and paper
  • Nicole Jonker, De Nederlandsche Bank: Incentives at the counter: An empirical analysis of surcharging card payments
    and payment behavior in the Netherlands, presentation and paper
  • José Luis Negrín, Banco de México: Interchange Fees for Bank Payment Card Transactions at POS in Mexico, presentation and paper
  • Biliana Alexandrova, Banco de México: Interactions among consumers and merchants at the multi-agent based payment
    card market, presentation
  • Harry Leinonen, Bank of Finland: The effects of non-transparent and transparent payment service pricing, presentation
  • Ari Voipio, Finnish Financial Supervision: Subjective comparison of retail payment systems and services in
    France and Finland (How to cope with a payment cultural clash), presentation
  • Gabriela Guibourg, Sveriges Riksbank: The Costs of Paying - Private and Social Costs for Cash and Card Payments, presentation and paper
  • Maria Tereza Cavaco, Banco the Portugal: Retail Payment Instruments in Portugal: Costs and Benefits, presentation
  • Bo Harald, TietoEnator: The European Commission e-invoice undertaking, objectives and progress, presentation
  • Lauri Pesonen, Venyon Oy: The development of a mobile payment ecosystem, presentation
  • Päivi Heikkinen, Bank of Finland: Different mobile payment alternatives and concrete developments, presentation