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All payments presuppose an underlying infrastructure
29/10/2020 -For cash to be used in society, an underlying infrastructure is required in the form of ATMs, service boxes for daily takings, transport vans and secure premises for the storage of cash, for example. When paper-based credit transfers are used,...
Paying by mobile or card is cheaper than using cash
29/10/2020 -Some costs are fixed and do not depend on how many payments have been carried out, such as rent for premises and purchases of hardware. Other costs are variable and depend on the number of payments, such as petrol for the vans that transport...
Important to maintain non-digital means of payment
29/10/2020 -Cash services are being automated to an increasing degree. Manual cash services, in which cash can be withdrawn and deposited over the counter, are becoming increasingly rare at banks. Automated cash services work well for most consumers but for...
Fintech brings new solutions for the payment market
29/10/2020 -Fintech is an important sector that can contribute to new ways of paying and greater efficiency on the payment market. Fintech brings new solutions for the payment market...
The authorities are working to promote innovation
29/10/2020 -The Swedish Government sees Fintech as an important future sector and has given several government agencies the task of promoting it. On behalf of the Government, Finansinspektionen is therefore running the FI centre for innovation, which has...
Card payments function smoothly
29/10/2020 -Overall, card-based cross-currency payments function smoothly, both for online purchases and when abroad. However, unlike when making payments in Swedish kronor, an exchange rate markup must be paid to the bank. In addition, card payments cannot...
Payments between accounts work less well into many currencies
29/10/2020 -Account-to-account payments between countries are common for purchases of larger objects such as cars, boats and real estate. They are also common in payments of taxes and fees, when making gifts and so on, when the payer initiates a payment to...
The Riksbank must maintain essential services
29/10/2020 -The Riksbank’s responsibility for maintaining essential services during crisis situations and under heightened alert is made clear by the proposed new Sveriges Riksbank Act. This responsibility means that the Riksbank must safeguard its capacity,...
Swedish payments to be integrated internationally
29/10/2020 -Electronic payments are based on communication between the parties involved in the payment – the systems must therefore communicate using the same ‘language’. International work is in progress to design notifications in a way that simplifies...
New solution for instant payments in kronor
29/10/2020 -Instant payments are expected to become increasingly common in the future, and are expected to have more areas of use. Perhaps, for example, households may want to be able to pay for a car or redeem a mortgage and see that the payment has been...