In Sweden

That is, the check is remained firm in a specific niche of transaes.' ' It has space for creation of easinesses you add that they make possible payments of bigger value commanded electronically from points of venda' ' , it cites the report of the Central banking, mentioning unitrias operations to it of lesser value that R$ 5 a thousand. Above of this limit, the operations must occur by means of Transferncia Eletrnica Disponvel (TED), mechanism launched in 2002 when the new System of Brazilian Pagamentos was created (SPB). The potential of expansion of the cards was proven in 2008, when the debit cards had grown for the first time more than of credit. In amount of cards in the market, the growth was of 14% in the segment of debit and 12% in the credit cards. The BC foresees increase of the presence of the debit cards leading in consideration ' ' low frequncia' ' of use of the product: in 2007, each card of debit registered average of 9,3 transactions per year. In Sweden, 124 uses per year had been more than, arriving the 159 in the Finlndia.

Already the credit cards had registered, in the passed year, 18,4 transactions for unit, what it is come close more than what occurs in other countries (15,4 uses per year, in France, and 14,6 uses, in Italy). The comparisons with other countries consider given of 2007, due to imbalance of the international information. The government already is of olhoCom the expansion the Brazilian government intends to pressure of more incisive form the industry of credit cards to promote a reduction of the costs that it imposes the customers. One of the possibilities in study – and the moment it is the one that appears as most viable – is to call the representatives the sector to talk and to force them politically to adjust its behavior.