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PSD2 enables greater competition
07/11/2019 -The EU has been working to increase competition on the payment market. A modified regulatory framework gives payment service providers the opportunity to access customers’ payment accounts and thereby initiate payments and compile account...
Do we have the right to pay in cash?
07/11/2019 -Under the Sveriges Riksbank Act, cash is legal tender in Sweden, which means that it is to be accepted as payment everywhere. But the rule can be waived by agreement by shops, restaurants, etc., via what is known as freedom of contract. In other...
Large payments take place via transfers
07/11/2019 -The picture is different if we instead look at the value of payments. In Sweden, total payments at an estimated value of almost four times the country’s GDP were made in 2018. Credit transfers make up almost all this value. It is mainly a...
Cash use in constant decline
07/11/2019 -Swedes pay less and less frequently in cash and more and more shops and restaurants are no longer accepting it. The trend in Sweden differs from that in other countries. It means that some groups are finding it increasingly difficult to pay.
Card payments still dominate
07/11/2019 -The majority of household purchases in Sweden are made by card. In ten years, the average Swede has doubled their card use. However, large-scale payments often take place between companies and authorities and are done via credit transfers. Card...
The Riksbank’s responsibility for payments
29/06/2026 -The Riksbank’s objective is for payments in Sweden to be safe, efficient and accessible. Payments shall also function in peacetime crisis situations and states of heightened alert. The payments market is based on a cooperation between the...
Cash management offices
06/03/2026 -The Riksbank is tasked with supplying the country with banknotes and coins, including during peacetime crisis situations and in states of heightened alert. According to the Sveriges Riksbank Act, the Riksbank shall provide at least five cash...
Sweden´s total defence has been resumed
07/11/2019 -Due to the deteriorated security policy situation in Europe, the Government has decided to resume Sweden’s total defence. The term total defence denotes all activities that are needed to prepare Sweden for war. In the report Motståndskraft -...
Many central banks investigate central bank digital currencies
07/11/2019 -The technological shift entailed by digitalisation affects all countries, albeit at varying speeds. Central bank digital currency is therefore something that is being investigated by many central banks around the world. This work was initially...
Digital cash: the e-krona project
07/11/2019 -The Riksbank is investigating whether it would be possible to issue kronor to the general public in electronic form, an “e-krona”. This would allow the general public access to the Riksbank’s money even in a cashless future. Digital cash: the...