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Modernising the clearing infrastructure
10/03/2025 -Modernising the clearing infrastructure The Riksbank shall contribute to the stability and efficiency of the financial system, including the ability of the public to make payments. The payment infrastructure is a central part of this. The...
Difficult to get help with payments
10/03/2025 -Difficult to get help with payments As more and more payments are made digitally and more bank branches close, there is an increasing need for payment assistance for those who find it difficult to pay themselves using digital tools. As the...
RIX-INST enables competition and innovation
10/03/2025 -RIX-INST enables competition and innovation RIX-INST is the Riksbank’s system for the settlement of instant payments. RIX-INST uses the technical platform TIPS, which is the ECB’s system for instant payments. Unlike the settlement system for...
Are payments in Sweden efficient?
10/03/2025 -Are payments in Sweden efficient? Payments in Sweden are, on the whole, efficient. Shops and service-related businesses accept different payment methods and find that payments work smoothly. The payment infrastructure is evolving to allow more...
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...
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...
All payments require an underlying infrastructure
15/12/2022 -All payments require an underlying infrastructure In order for us to pay, we need payment instruments, such as cash, a card or a mobile phone, and equipment at the payment recipient’s premises, such as a cash register or card terminal. Payments...
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...