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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...
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...
The Riksbank’s work and policy
15/12/2022 -The Riksbank’s work and policy The Riksbank shall promote safe and efficient payments. The digitalisation of the payment market is proceeding apace and the Riksbank is modernising its systems to meet this development. The Riksbank is also working...
RIX-INST may facilitate instant payments between different currencies
15/12/2022 -RIX-INST may facilitate instant payments between different currencies At present, TIPS only allows payments to be settled in the same currency, meaning that the payer and the recipient have accounts in the same currency. As a result of the...
The Riksbank will presumably have greater responsibility for cash
29/10/2020 -At the end of last year, a new Sveriges Riksbank Act was proposed. According to the proposal, the Riksbank is to have overall responsibility for access to cash across the entire country. Among other things, this means that the Riksbank has the...