Nordea

Although access to credit boosts economic growth in the short term, the associated value of such credits fades in the medium term, increasing the "odds of a financial crisis"¹. Consumer credit in Sweden reached EUR 169 billion (Bn) in 2022^2;p8, wh...

In the Nordic regions, a lack of dedicated financial literacy programs for children and young adults raises concerns about their long-term financial well-being, increasing vulnerability to debt and hindering their ability to build a secure financi...

Purchasing a house is less expensive than renting¹. It builds long-term wealth, which can be transferred to their heirs, giving financial security^1,2. Psychologically, it gives a sense of stability and is emotionally satisfying². However, buying a...

In order to ensure strong institutions and the well-being of society, governments spend a considerable amount of the state's budget on public goods and services, which are funded by taxes paid by individuals and corporations¹. Corporate taxes acco...

Financial institutions play a key role in financing the energy transition^1;p4. Energy production accounts for 72% of carbon emissions², while fossil fuel emissions are the primary cause of global warming³. Since 2015, $3.6 Tn has been invested in ...

In 2022, about 3.3 billion people were employed globally¹. Job creation assists society in many ways, such as eliminating poverty and bringing economic stability that eventually leads to new taxpayers². It also gives opportunities for personal gro...

The International Labour Organization (ILO) recommends a gender balance of 40-60% representation for either gender to avoid loss of human potential and uneven distribution of economic growth benefits^1;pxiii. Women's underrepresentation leads to ec...

In 2021, global GHG emissions amounted to 40.8 billion tonnes (t) of CO₂e^1;p11. To meet the goals of the Paris Agreement, from 2020 to 2030, annual GHG reductions of 7.6% are required². The rapid increase in the emission of greenhouse gases is cau...

Globally, around 3,932 public data breaches were reported to have occurred in 2020⁸. Individuals' personal information is exposed when customers' privacy is violated⁹. In 2020, over 163 million (M) people's identities were compromised in 540 breac...

The private sector is composed of for-profit businesses that are not State-controlled¹. Businesses benefit local economies by boosting employment and tax income for governments². Micro and SMEs form the most significant business sector in most eco...