De senaste åren har allt fler bankkontor lagts ned runt om i Sverige och kunderna istället hänvisats till digitala tjänster på nätet.
Nedstängda bankkontor slår hårt mot företagarna
Företagande
De senaste årens nedstängda bankkontor har slagit hårt mot landets företagare, enligt en färsk avhandling. Särskilt drabbade är företagare på landsbygden. Däremot har pandemin inte dämpat intresset för att driva företag.

Nedstängningen av bankkontor har skapat problem för företagarna.
Foto: Stock Adobe.
Någonting är fel
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Men nu visar den doktorsavhandling som lagts fram av Cynthia Sin Tian Ho vid KTH att nedstängningarna fått allvarliga negativa konsekvenser för landets företagare.
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