Digital payment services often require payers to be able to identify themselves with e-ID. There are several kinds of e-identification are used in Sweden today. BankID is the most common, with around 8.2 million users in 2021. It is the banks that issue BankID and they decide who can access the service and how it can be used. . This means that it is the banks that decide whether we are whom we say we are. Physical ID documents, such as passports and driving licences, are the responsibility of the state. This should also be the case for digital ID.

A government e-ID is therefore needed. Such an ID could foster competition in the payments market and would provide equal access to e-ID for all.