The payment market is going through a phase of major change driven by new digital technology. It has become easier for most people to pay as it is now possible to pay by card or mobile phone virtually everywhere. Paying by card is most common, although payments by mobile phone (Swish) are increasing sharply and several shops now also accept invoice payments. At the same time, the use of cash is declining. Paying may therefore become more difficult for certain groups that are unable to use digital technology.