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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...
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.
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...
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...
The Riksbank’s work and policy
14/03/2024 -The Riksbank’s work and policy The Riksbank’s work and policy are based on an economic perspective. We provide solutions and act where it is difficult to achieve safety, efficiency and accessibility without government involvement, including by...
Payments should work even in crisis and war
14/03/2024 -Payments should work even in crisis and war Since the beginning of 2023, the Riksbank has been responsible for ensuring that the public can continue to make payments in peacetime crisis situations and states of heightened alert. The Riksbank now...
Modernisation of the payment infrastructure necessary
14/03/2024 -Modernisation of the payment infrastructure necessary The Riksbank is working to modernise its payment system RIX. As a result, more payments can now go through RIX, which improves both security and efficiency. The Riksbank is also investigating...
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...
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’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...