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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...
Difficult for many to pay digitally
15/12/2022 -Difficult for many to pay digitally A large proportion of all payments are made digitally. At the same time, the range of manual payment services is decreasing. For those who cannot use digital payment methods, it is therefore becoming...
Cross-border transfers can be expensive
15/12/2022 -Cross-border transfers can be expensive The list prices of various payment intermediaries suggest that the cost of sending money abroad can be high. However, the cost varies depending on the payment service used and the country to which the money...
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...
The supply of manual cash services is decreasing
15/12/2022 -The supply of manual cash services is decreasing In 2017, there were 660 bank branches where you could withdraw cash over the counter. Today, the service is only available at 134 Savings bank branches. As of April 2022, none of the major banks...
Cross-border payments can be made in different ways
15/12/2022 -Cross-border payments can be made in different ways We make cross-border payments when we pay by card abroad or when we buy goods and services online from abroad. Transfers abroad via banks and other payment service providers are also...
Cost studies measure the social cost of different payments
15/12/2022 -Cost studies measure the social cost of different payments To measure the social cost of different types of payments, the Riksbank conducts cost studies. The Riksbank collects data from households, companies, the public sector, banks and other...
The Swedish payment infrastructure is being renewed
15/12/2022 -The Swedish payment infrastructure is being renewed To ensure that payments in Sweden remain efficient and to simplify payments abroad, existing systems are being replaced with new payment infrastructure and a new regulatory framework.
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...