Payments Report 2022

Safety and efficiency

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Safety and efficiency

Are payments in Sweden safe?

Payments in Sweden are generally safe. There have been few disruptions to the critical payment infrastructure in 2022 and there is relatively little card fraud in Sweden. In addition, there are several different ways of making payments, which increases resilience to disruptions.
Offline payments could improve resilience further. In contrast, the cash infrastructure is vulnerable.

Shield with padlock. Circuit board in the background.

Published: 15 December 2022

What is required for payments to be safe?

By safe, we mean that the money should retain its value over time and not be counterfeited or used for fraud. Payment service providers and payment systems should be surrounded by a clear regulatory framework and be resilient to disruption. There should also be multiple payment methods so that payments can be made even if one of the systems is disrupted.