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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.
Payments in Sweden 2019
07/11/2019 -The Swedish payment market is changing rapidly. Digital payment methods are forcing out cash and new technology is leading to payment services being offered by companies other than banks. This is happening fast in Sweden. Digitalisation makes...
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...
Key drivers and trends
07/11/2019 -The digitalisation of society opens the door for new payment solutions and new players on the payment market. New legislation (PSD2) and new technology are accelerating this development. It is becoming easier to pay for most people and consumers...
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...
Technical innovation and new players
07/11/2019 -Large tech-companies abroad are experimenting with new services, for example automatic registration of customers when a product is taken from a shelf in a shop. Payment then takes place automatically when the customer leaves the shop. In...
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...
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...
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...