Safety, efficiency and accessibility

Payments in Sweden are generally safe and efficient, but there are problems with fraud and the accessibility of payment services. This has a lot to do with digitalisation, which has contributed on the one hand to faster and smoother payments, but on the other hand to some people being tricked into making payments and others being excluded if they cannot access or cope with digital services. Furthermore, the cash infrastructure is very vulnerable and the infrastructure for digital payments, in particular Bankgirot, needs to be modernised to meet both current and future needs. In addition, the resilience of digital payments to disruptions should be strengthened, including by improving offline payment options.

Published: 14 March 2024