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Are payments in Sweden safe?
14/03/2024 -Are payments in Sweden safe? Payments in Sweden are generally safe, but there are shortcomings that should be addressed. First, the cash infrastructure is entirely dependent on two private operators and is therefore highly vulnerable to changes...
Are payments in Sweden efficient?
14/03/2024 -Are payments in Sweden efficient? Payments in Sweden are, on the whole, efficient. Digital payments cost less than cash payments and so help reduce the consumption of resources at the societal level. However, some types of payment have evolved...
All payments need an underlying infrastructure
14/03/2024 -All payments need an underlying infrastructure For us to be able to pay, there needs to be an underlying infrastructure. The use of cash requires, for example, ATMs, cash-in-transit services, cash stocks and the production and destruction of...
More measures are needed to ensure everyone can pay
14/03/2024 -More measures are needed to ensure everyone can pay The Riksbank’s assessment is that there are problems with inclusion in the payments market in Sweden. Too many people do not have sufficient access to payment services, which you can read more...
Cross-border payments should be more efficient
14/03/2024 -Cross-border payments should be more efficient Cross-border payments are often slower, more expensive and less transparent as domestic payments. A natural explanation for this is that the payment process for cross-border payments usually...
The Riksbank has been given a clear mandate
14/03/2024 -The Riksbank has been given a clear mandate The Sveriges Riksbank Act gives the Riksbank responsibility for ensuring that the public can make payments even in times of crisis and war. This responsibility gives us tasks and mandates that will...
Many do not have access to e-identification (e-ID)
14/03/2024 -Many do not have access to e-identification (e-ID) Digital payment services often require the payer to be able to identify themselves and confirm the payment with an e-ID. There are several e-IDs in Sweden today, but BankID is by far the most...
The possibility to pay offline needs to be improved
14/03/2024 -The possibility to pay offline needs to be improved The Riksbank considers that the resilience of the payment system would be strengthened by improving the ability to pay by card and withdraw cash even when data communication is not working. The...
More measures needed to protect cash
14/03/2024 -More measures needed to protect cash People must be able to pay with cash, both in normal circumstances and in crisis and war situations. To avoid a situation where cash is no longer usable, the Riksdag needs to urgently regulate where and how...
Are payments in Sweden accessible?
14/03/2024 -Are payments in Sweden accessible? Part of the Swedish population does not have sufficient access to payment services, some because they have difficulties using digital payment services and others because they cannot access payment accounts. The...