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Bankers resiliens vid större kriser: En studie av hur banker hanterar störningar i kortsystem
Mid Sweden University, Faculty of Science, Technology and Media, Department of Information Systems and Technology.
Mid Sweden University, Faculty of Science, Technology and Media, Department of Information Systems and Technology.
2018 (Swedish)Independent thesis Basic level (professional degree), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

Today’s society is built upon different infrastructures; structured and integrated systems that are available generally. The consequences of an infrastructure that has stopped working may lead to detrimental implications for the dependent entity – critical infrastructure of said kind are called critical infrastructures. If a payment system would happen to cease to work, a bullwhip-like effect would occur within the financial infrastructure. To create resilience, i.e. the ability to counteract or rehabilitate such an event, is a methodology that may assist the society in handling crises such as these in a more efficient manner. The purpose of this study is to examine the banking sectors resilience in the context of disruptions within card payment systems. The study has been conducted with the help of interviews by different stakeholders working within the banking sector in Sweden. The collected data has been completely confidential. This study is of an exploratory nature, thus a qualitative research method has been applied. The interviews have been recorded and transcribed, and lastly analyzed. The conclusions drawn from the results and analysis has shown that the banks have knowledge of core principals of resilience. The banks resilience principals do differ from the principles conveyed in theoretical literature – while maintaining a unified view of said principles among themselves in the financial sector. The banks are prepared for short-term crises that may emerge, but they do not seem particularly prepared for long-term - more rare – crises.

 

Abstract [sv]

Dagens samhälle är uppbyggt av många olika infrastrukturer, med infrastruktur menas ett system som är allmänt tillgängligt. Följderna av en infrastruktur som har slutat att fungera kan leda till något stort då en störning kan påverka flera delar i samhället, detta kallas för kritisk infrastruktur. Skulle betalningssystemet sluta fungera uppstår det störningar i den finansiella infrastrukturen. Att skapa resiliens, d.v.s. förmågan att motstå eller återhämta sig från olika kriser som kan uppstå i samhället, är en arbetsmetod som kan hjälpa samhället att hantera kriser på ett effektivare sätt. Syftet med studien är att undersöka bankers resiliens mot störning i kortsystem. Studien har genomförts genom intervjuer med representanter från banker i Sverige och insamlade svar behandlas konfidentiellt. Denna studie är en explorativ studie med kvalitativa forskningsmetoder och semistrukturerade intervjuer har genomförts. Intervjuerna spelades in, transkriberades och slutligen analyserades. De slutsatser som dras från resultat och analys är att bankerna har kännedom om resiliens och arbetar med resiliens principerna. Bankernas resiliens principer skiljer sig från principerna i teorin, dock har bankerna ett gemensamt synsätt på resiliens. Bankerna är förberedda för kortvariga kriser som kan uppstå men inte för långvariga kriser då de anser att långvariga kriser är sällsynta.

Place, publisher, year, edition, pages
2018. , p. 36
Keywords [en]
Resilience, Infrastructure, Risk, Crisis management, Robustness, Redundancy, Resourcefulness, Rapid recovery, Adaptability.
Keywords [sv]
resiliens, infrastruktur, risk, krishantering, störning, stabilitet, redundans, hanteringsförmåga, återhämtningsförmåga, anpassningsförmåga
National Category
Other Engineering and Technologies not elsewhere specified
Identifiers
URN: urn:nbn:se:miun:diva-34988Local ID: IG-V18-G3-004OAI: oai:DiVA.org:miun-34988DiVA, id: diva2:1266836
Subject / course
Industrial Organization and Economy IE1
Educational program
Master of Science in Industrial Engineering and Management TINDA 300 higher education credits
Supervisors
Examiners
Available from: 2018-11-29 Created: 2018-11-29 Last updated: 2018-11-29Bibliographically approved

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