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More common to pay by mobile phone app (Swish)
07/11/2019 -Payments in the form of instant account-to-account transfers are increasing sharply. For this type of payment to be able to continue to grow, the infrastructure for payments needs to be modernised. Swish is the most common form of instant payment...
Credit cards are now also more common than cash
29/10/2020 -Debit cards, where money is deducted directly from a bank account, are the most common way of paying in shops regardless of the size of the payment. Cash, on the other hand, is used more frequently for smaller payments, below 100 kronor. Credit...
Few disruptions in important systems
29/10/2020 -The Riksbank’s central settlement system for large-scale payments, RIX, and the clearing house, Bankgirot, are central hubs in the Swedish payment system. Disruptions and interruptions in either of these systems therefore affect the entire...
More counterfeit banknotes
29/10/2020 -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, there is always a risk that cash will be stolen or counterfeited. But from an...
Initiatives to help vulnerable groups
29/10/2020 -The county administrative boards’ task is to ensure that possibilities for using basic payment services meet social needs, and they have a special responsibility for investigating how the situation is for older people and people with...
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,...
Many people make payments by mobile, for example with Swish
29/10/2020 -Electronic commerce and mobile payments, such as Swish, are becoming increasingly common. Other payment applications such as Apple Pay and Google Pay are also becoming more popular. About five per cent of young people in Sweden own some form of...
New ways of using Swish
29/10/2020 -For purchases in physical shops, it is much more unusual to use Swish or invoicing. Only one per cent of respondents state that they have done so for their latest purchase. However, Swish is developing its services for payment using QR code and...
Are payments in Sweden efficient?
29/10/2020 -Payments in Sweden are efficient, which is to say rapid and inexpensive. Digital payments using cards and Swish are cheaper than cash payments. As a large part of payments have become digital in Sweden, society’s costs for payments have started...
The use of cash is declining
29/10/2020 -In 2010, 39 per cent of respondents in the Riksbank’s survey of the payment behaviour of the Swedish population said that they paid for their most recent purchase in cash. By 2020, this figure had fallen to 9 per cent. At the same time, 50 per...