Tids och kostnadsbesparingar associerade till användningen av smarta kontrakt på den svenska fastighetsmarknaden

The Swedish real estate sector, while efficient compared to global standards, remains characterized by manual, paper-heavy processes that introduce administrative delays and transaction costs. This thesis explores the potential of smart contracts, self-executing agreements based on blockchain technology, to reduce time and cost inefficiencies in residential property transactions on the Swedish real estate market. Using a mixed-methods approach that includes semi-structured interviews with industry experts, AI-generated interview results, and Monte Carlo simulations, the study quantifies differences between traditional and smart contract-based transaction systems. Results indicate that while cost savings are modest (approximately 3.8%), smart contracts offer substantial time savings (up to 80%) and significantly improve process consistency in the case of using smart contracts. Key barriers to adoption include regulatory uncertainty, institutional conservatism, and limited public understanding of blockchain technology. Nevertheless, findings suggest that with appropriate regulatory frameworks and cross-sector collaboration, smart contracts could play a complementary role in the ongoing digitalization of the Swedish real estate market.