More and more people are choosing not to use a physical card in favour of services that integrate the card into a mobile phone, such as Apple Pay and Samsung Pay. In the Riksbank’s survey in 2023, 63 per cent stated that they had paid by debit card for their last in-store purchase, which is 10 percentage points lower than in 2022. At the same time, 9 per cent said they had paid with their card in their mobile phone, almost double compared to 2022. The most important reason why more people pay by mobile phone is that it is perceived as easy and convenient.

As Figure 3 shows, it is still uncommon to use Swish for in-store purchases. One possible explanation for this is that Swish payments have not yet been fully integrated into the physical retail trade, for example in in-store cash register systems, and are therefore a relatively slow option compared with card payments, for example.

Percentage of people paying by each payment method for their last in-store purchase, 2023.