In today's digital society, it is possible to send information in seconds, but it can still take several days for a payment to reach its recipient. The mobile service Swish, which was introduced in 2012, makes it possible to send instant payments. This means payments where funds are moved in seconds from an account in one bank to an account in another bank, around the clock, every day of the year (24/365). At present, the service only works between Swedish banks, but Swish has initiated cooperation with other European companies offering mobile services for instant payments so that instant payments will also become possible within Europe.