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Further measures are required to preserve cash
14/03/2024 -Further measures are required to preserve cash In recent years, the Riksdag has taken several decisions aimed at facilitating the use of and securing access to cash. Among other things, the Riksbank has been given clearer responsibility for the...
The Riksbank’s responsibility for cash has been clarified
14/03/2024 -The Riksbank’s responsibility for cash has been clarified The new Sveriges Riksbank Act, which came into force on 1 January 2023, gives the Riksbank clearer and partly expanded responsibility for the cash infrastructure in Sweden. One reason for...
The bank-owned payment infrastructure is facing major changes
14/03/2024 -The bank-owned payment infrastructure is facing major changes Banks’ infrastructure needs to be modernised The Riksbank assesses that the bank-owned payment infrastructure, particularly Bankgirot, needs to be modernised and that the banks need...
The Riksbank is modernising RIX
14/03/2024 -The Riksbank is modernising RIX Apart from card payments, almost all digital payments between banks go through accounts they hold in RIX. The RIX system consists of two services: RIX-RTGS for wholesale payments and aggregated payments and...
Problems with opening and maintaining payment accounts
14/03/2024 -Problems with opening and maintaining payment accounts Having access to a payment account is a prerequisite for making payments in today’s digital society. It is needed, for example, for debit cards and Swish. Without a payment account, it is...
Access to basic payment services is unsatisfactory
14/03/2024 -Access to basic payment services is unsatisfactory Everyone in Sweden shall have access to basic payment services at reasonable prices in accordance with the objective decided by the Riksdag. However, access to these services has deteriorated in...
Difficult to compete in the payments market
14/03/2024 -Difficult to compete in the payments market The payments market has some specific characteristics that create challenges for achieving good competition. Payments, except in the case of cash, are basically a service for transferring information.
Instant payments contribute to greater efficiency
14/03/2024 -Instant payments contribute to greater efficiency The instant execution of payments contributes to a more efficient payment system for several reasons. Among other things, it reduces the need for intermediaries for e.g. clearing. If companies...
Climate impact varies between payment methods
14/03/2024 -Climate impact varies between payment methods According to a research study conducted by the Royal Institute of Technology and financed by the Riksbank, the climate impact of payments in Sweden is very low. For example, the total climate impact...
Payments consume significant resources
14/03/2024 -Payments consume significant resources The economic costs of payments in Sweden in 2021 are estimated at SEK 51 billion - almost 1 per cent of GDP - according to a study from the Riksbank. The economic costs have decreased over time and are in...