The Riksbank’s central settlement system for large-value payments, RIX, and the clearing house, Bankgirot, are central hubs in the Swedish payment system. Disruptions and interruptions in either of these systems therefore affect the entire payment system and can result in one or more payment systems ceasing to function. During 2020 and the first three quarters of 2021, the technical systems have functioned well and availability has been very good. However, Swish has had more interruptions than the other systems. This is due, among other things to the underlying systems in Swish suffering a number of technical problems.