E-kronan, en framtidsdröm? - En kvalitativ studie om olika parters föreställningar kring Riksbankens införande av e-kronan
Sammanfattning: The use of cash has dropped dramatically in Sweden the past years. New solutions such as Swish and easier account transfers has gained popularity among the Swedish population which has made cash a rarity. As this transition is occuring, new currencies such as cryptocurrencies are gaining popularity. Cryptocurrencies main function is to keep its users anonymous, but the value is often not secure which increases the risk in form of volatility. The Swedish Central Bank has therefore decided to investigate the launch of an e-krona which could come to replace the regular cash system that we have in our society today. The main focus of this report is to examine the purpose of the e-krona from the perspective of three different actors, the Swedish Central Bank, banks and individuals. An abductive method was chosen to answer our main thesis. The data was collected through qualitative interviews with people representing all three actors. This data is later analysed and examined further in combination with the theoretical framework. Our conclusion was that the Swedish Central Bank needs to conduct further discussions with the society and banks to clarify the main purpose of the e-krona. Trust is also an important factor that needs to be central when developing and releasing the currency. Finally the Swedish Central Bank should further investigate the effects that an e-krona might have on existing swedish markets and the swedish economy in whole.
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