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Government issued e-identification needed
15/12/2022 -Government issued e-identification needed 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...
Are payments in Sweden efficient?
15/12/2022 -Are payments in Sweden efficient? Payments in Sweden are generally efficient. Digitalisation reduces the cost of payments to society because digital payments are cheaper than cash payments. Digital payments are now faster than ever, but it can...
In Sweden, we prefer to pay digitally
15/12/2022 -In Sweden, we prefer to pay digitally The Riksbank’s survey of the Swedish people’s payment habits in 2022 shows that the habits that received an extra boost during the pandemic persist: almost all payments are made digitally, we shop online...
Offline payments can improve resilience to disruption
15/12/2022 -Offline payments can improve resilience to disruption The underlying infrastructure for both cards and cash is dependent on functioning electricity and data communications. A prolonged disruption in which electricity or digital infrastructure is...
Competition contributes to efficient payments
15/12/2022 -Competition contributes to efficient payments Competition means that market players must constantly develop and improve their services and products to avoid falling behind their competitors. This often leads to efficiency in the form of lower...
RIX-INST can increase the efficiency of the Swedish payment system
15/12/2022 -RIX-INST can increase the efficiency of the Swedish payment system Instant payments are increasingly in demand. This is illustrated not least by the popularity of Swish. It is also illustrated by a regulatory proposal from the European...
Cross-border payments must be made more efficient
15/12/2022 -Cross-border payments must be made more efficient It is difficult to assess the effectiveness of external payments because statistics are often lacking. However, the statistics that are available show that people send large amounts of money...
Payments must be energy efficient
15/12/2022 -Payments must be energy efficient Climate change affects society and therefore our economy, which can create risks in the financial system. To this end, the Riksbank monitors the climate risks in its policy work. Last year’s Payments Report...
Some lack access to a payment account
15/12/2022 -Some lack access to a payment account In today’s society, having access to a payment account and payment services is essential for managing one's finances. Within the EU, the Payment Accounts Directive gives all consumers legally resident in the...
RIX is the hub of the Swedish payment infrastructure
15/12/2022 -RIX is the hub of the Swedish payment infrastructure Apart from card payments, almost all electronic payments between banks are made through accounts that the banks have in RIX (see Most payments in Sweden go through the Riksbank’s system). The...