Tobias Trütsch
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Trütsch
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Tobias
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tobias.truetsch@unisg.ch
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  • Publication
    Swiss Payment Monitor 2024-1 - Wie bezahlt die Schweiz? // Swiss Payment Monitor 2024-1 - How does Switzerland pay?
    ( 2024-02-22)
    Tobias Trütsch orcid-logo
    ;
    Graf, Sandro
    ;
    Nina Heim
    ;
    Marcel Stadelmann
    For the first time since the COVID-19 pandemic, the Swiss population has been using cash much less frequently. Mobile payments, however, are growing steadily and used almost as frequently as cash. The Swiss Payment Monitor conducted by the ZHAW and the University of St. Gallen also reveals that debit cards continue to extend their lead as the most popular means of payment.
    Type: work report
    URL: www.swisspaymentmonitor.ch
    DOI: 10.21256/zhaw-2467
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/119524
  • Publication
    Die Kosten der Point-of-Sale Zahlungen in der Schweiz
    ( 2024-01-18)
    Tobias Trütsch orcid-logo
    ;
    Johannes Huber
    ;
    Nemanja Bralovic
    Die Höhe der gesamtwirtschaftlichen Kosten im Zusammenhang mit Point-of-Sale Zahlungen in der Schweiz ist keineswegs vernachlässigbar. Die Ressourcenkosten belaufen sich auf rund 7,3 Mia. Fr., was 0,95 Prozent des Bruttoinlandprodukts (BIP) entspricht. Die Höhe der Kosten variiert je nach Stakeholder und Zahlungsmittel stark. Die Händler haben mit 0,60 Prozent des BIPs aufgrund der Transaktionsgebühren am meisten Privatkosten, während der Finanzsektor mit 0,53 Prozent des BIPs am meisten Ressourcenkosten hat. Dahinter folgen die Konsumenten und die Schweizerische Nationalbank (SNB), wobei die Kosten für die SNB mit je rund 0,03 Prozent des BIPs minimal sind.
    Type: work report
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/119271
  • Publication
    The costs of point-of-sale payments in Switzerland
    ( 2024-01-18)
    Tobias Trütsch orcid-logo
    ;
    Johannes Huber
    ;
    Nemanja Bralovic
    The overall economic costs associated with point-of-sale payments in Switzerland are by no means negligible. In 2022, the resource costs amounted to around CHF 7.3 billion. This corresponded to 0.95 percent of gross domestic product (GDP). The level of costs varies greatly depending on the stakeholder and means of payment. At 0.60 percent of GDP, merchants had the highest private costs due to transaction fees, while the financial sector had the highest resource costs at 0.53 percent of GDP. This is followed by consumers and the Swiss National Bank, whereby the costs for the SNB were minimal at around 0.03% of GDP each.
    Type: work report
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/119548
  • Publication
    Swiss Money Map 2024: Developments in the spatial distribution of cash access points in Switzerland
    ( 2024-09-18)
    Tobias Trütsch orcid-logo
    ;
    Luis, Nägelin
    This study examines the developments in the spatial distribution of ATMs, banks, and post branches in Switzerland between 2021 and 2023. We calculate the actual travel time and trav-el distance to the closest cash access point based on the Swiss road and public transport net-work. We find that Swiss residents have overall easy access to cash. On average, an inhabitant of Switzerland has a travel distance of 800 meters to the nearest cash access point. This is 1.2 km to the nearest ATM, 1.8 km to the nearest bank branch, and 1.1 km to the nearest post branch. The average travel time by car is 3 minutes to the closest cash access point. This is 3.7 minutes to the closest ATM, 4.3 minutes to the closest bank branch, and 3.7 minutes to the closest post branch. By using public transport, the Swiss can access cash in an average of 8.5 minutes, the nearest ATM in 11.2 minutes, the closest bank branch in 14.6 minutes, and the nearest post branch in 11.4 minutes.
    Type: work report
    URL: https://www.moneymap.ch
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/120824
  • Publication
    Swiss Payment Monitor 2023-2 - Wie bezahlt die Schweiz? // Swiss Payment Monitor 2023-2 - How does Switzerland pay?
    ( 2023-08-23)
    Graf, Sandro
    ;
    Heim, Nina
    ;
    Stadelmann, Marcel
    ;
    Tobias Trütsch orcid-logo
    The debit card has regained its top position as the most widely used means of payment in Switzerland. Thanks to the new generation of online-capable debit cards, they are also increasingly used as a settlement product for mobile payments. Such mobile payments by broad definition have experienced even stronger growth and are now the third most used means of payment. However, a large part of this growth is due to mobile payments in the true sense - in Switzerland synonymous with Twint - which reached a double-digit transaction share for the first time in the Swiss Payment Monitor (SPM). The relative usage shares of cash and credit card have declined. Measured by turnover, however, the credit card remains in the top position as a settlement product. The use of neobanks is only increasing slightly in Switzerland. While Yuh continued to gain users, the usage figures of the other established providers are even slightly declining.
    Type: work report
    URL: www.swisspaymentmonitor.ch
    DOI: 10.21256/zhaw-2466
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/117954
  • Publication
    Swiss Payment Monitor 2023-1 - Wie bezahlt die Schweiz? // Swiss Payment Monitor 2023-1 - How does Switzerland pay?
    ( 2023-02-16)
    Trütsch, Tobias orcid-logo
    ;
    Stadelmann, Marcel
    ;
    Graf, Sandro
    ;
    Heim, Nina
    Cash is the most used means of payment in Switzerland in the November 2022 survey, ahead of debit and credit cards, and has thus stopped the downward trend of recent years, which was accelerated by the pandemic. Measured by the share of turnover, the credit card ranks first among the means of payment, ahead of the debit card and cash. Cash usage differs by demographic characteristics, with 30–44-year-olds being the least likely to use cash, and over 60s and those on low incomes and with low levels of education being the most likely. The popularity of mobile payments continues to grow. In particular, mobile payment solutions such as Apple Pay, Samsung Pay or Google Pay have grown proportionately over the course of 2022, while the relative revenue and transaction share of Twint has declined. In terms of revenue share, mobile payments have almost overtaken bills as the most popular payment method in online retail. More than half of mobile distance payments are made via an app with an integrated payment function. The use of neobanks continues to grow in Switzerland. One in three respondents has already used a neo-bank, mostly as a supplement to the services of traditional financial services providers. Revolut, Neon and Credit Suisse CSX are the most frequently used.
    Type: work report
    URL: http://www.swisspaymentmonitor.ch
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/107753
  • Publication
    Swiss Money Map 2022: A spatial analysis of cash access points in Switzerland
    ( 2022-04-21)
    Trütsch, Tobias orcid-logo
    The use of cash has been declining in Switzerland for some time. Nevertheless, cash remains an important means of payment and store of value. It is therefore important for many Swiss people to be able to withdraw and deposit cash easily. The newly published HSG study "Swiss Money Map" shows how and where to access cash.
    Type: work report
    URL: https://www.moneymap.ch
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/108794
  • Publication
    Swiss Payment Monitor 2022-1 – Wie bezahlt die Schweiz? // How does Switzerland pay?
    ( 2022-02-24)
    Trütsch, Tobias orcid-logo
    ;
    Graf, Sandro
    ;
    Heim, Nina
    ;
    Stadelmann, Marcel
    The sudden shifts in the payment behaviour of the Swiss population triggered by the Corona pandemic have stabilised somewhat in 2021. The debit card remains the most used means of payment, both in terms of frequency of use and turnover. Although cash continues to lose turnover shares, it is able to maintain second place behind the debit card in terms of frequency of use. The popularity of mobile payments continues to increase. In the distance business, every second payment is now processed via a mobile device. Neobanks are constantly gaining in popularity in Switzerland. Almost one third of the Swiss population has already used the services of a neobank, mostly as a supplement to the services of traditional financial service providers. Digital central bank money ("Central Bank Digital Currency" [CBDC]) is still hardly known among the Swiss population and most people are rather critical of its introduction.
    Type: work report
    URL: http://www.swisspaymentmonitor.ch
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/108940
  • Publication
    Swiss Payment Monitor 2022-2 – Wie bezahlt die Schweiz? // How does Switzerland pay?
    ( 2022-08-24)
    Trütsch, Tobias orcid-logo
    ;
    Graf, Sandro
    ;
    Heim, Nina
    ;
    Stadelmann, Marcel
    The debit card remains the most-used payment method in Switzerland in the first half of 2022, both in terms of frequency of use and turnover. The use of cash is stabilising in second place: in the face-to-face business, every third payment continues to be settled with cash - mostly the smaller amounts. The popularity of mobile payments continues to grow. In distance selling, every second payment is now processed via a mobile device, which also benefits the credit card as a billing product. The frequency of mobile payment is also increasing in the face-to-face business. However, it still lags significantly behind the debit card, cash and credit card. Neobanks are steadily gaining awareness and popularity in Switzerland. One third of the Swiss population has already used offers from a neobank, mostly as a supplement to the services of traditional financial service pro-viders. Around half of the Swiss population is basically open to the new "Buy Now, Pay Later" offers. In a hypothetical online purchase, however, they are rarely chosen as the preferred pay-ment method.
    Type: work report
    URL: http://www.swisspaymentmonitor.ch
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/108384
  • Publication
    Swiss Payment Monitor 2021-1 – Wie bezahlt die Schweiz? // How does Switzerland pay?
    ( 2021-05-06)
    Trütsch, Tobias orcid-logo
    ;
    Graf, Sandro
    ;
    Heim, Nina
    ;
    Stadelmann, Marcel
    The effects of the corona pandemic have changed the payment behaviour of the Swiss population. Since the outbreak of the coronavirus, cash use has decreased significantly, while digital means of payment have gained in importance. Contactless payment by card and mobile phone is the new payment standard. The user base of neobanks is growing. The practical handling, the quick transfer of funds and the constant availability of these app-based banks are the main reasons for their use. Cash remains the dominant means of payment on site in retail shops in terms of number of transactions, while mobile payment solutions account for the largest share of transactions in distance businesses.
    Type: work report
    URL: http://www.swisspaymentmonitor.ch
    URI: https://www.alexandria.unisg.ch/handle/20.500.14171/110419