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Most payments are card payments
07/11/2019 -In terms of number of payments, card payments are totally dominant in Sweden. In total, about six billion payments were made in 2018, which is the equivalent of two payments per person per day. In most cases, payments were made by card, about 60...
Cryptocurrencies are not normal money
07/11/2019 -Cryptocurrencies, such as Bitcoin, vary considerably in value and are difficult to use to make payments. “Stablecoins” are a new kind of cryptocurrency that aims to be more stable, for example, by having reserves in other currencies or assets.
Second-generation cryptocurrencies may work better
07/11/2019 -“Stablecoins” are cryptoassets that are constructed in order to maintain a more stable value. There are two main types. The first type is “algorithm-based” stablecoins, the value of which is kept stable by adapting the volume of stablecoins...
Security in Sweden is high from an international perspective
07/11/2019 -When cash is used less and less, the number of crimes linked to cash also falls. However, at the same time, the number of frauds in which somebody uses somebody else’s card or identity is increasing. The number of frauds is low from a European...
Money and the institutions handling payments must be secure
07/11/2019 -Several things are needed for payments to be secure. Firstly, money must maintain its value over time. Secondly, the institutions that handle our money and payments must be secure. Thirdly, the financial infrastructure, which is to say the...
The actual payment must be secure
07/11/2019 -Even if the money and institutions that manage our payments are secure, there may be other risks linked to our payments and means of payment. For example, cash is at risk of being counterfeited or stolen. As regards counterfeiting, the new...
Digitalisation makes payments more efficient
07/11/2019 -Digital payments are cheaper to execute than cash payments. An increasing proportion of digital payments thus contributes towards falling costs to society for payments. At the same time, the cost for each payment using cash increases as cash...
Digital payments are more efficient than cash
07/11/2019 -Payments are efficient if it costs relatively little for society as a whole to implement them. Society’s costs include the payment intermediary's costs, such as costs for technical equipment, insurance, transportation and so on, but also other...
The Riksbank is adapting to the digital world
07/11/2019 -The Riksbank is analysing the possibility of modernising the Riksbank’s money and system for rapid payments so that they are better adapted to a digital future. It is the Riksbank’s ambition that all payments will eventually go via the...
A digital complement to cash
07/11/2019 -For 350 years, Swedish society has relied on the Riksbank to provide the country with money in the shape of Swedish krona. However, for some time, Sweden has gained attention as having the greatest and fastest decline in cash worldwide. This...