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Some find it difficult to pay
07/11/2019 -For some groups, primarily those who cannot or do not wish to use digital payment services, it can be difficult to pay in certain situations. The county administrative boards are tasked with ensuring that the possibility of withdrawing cash,...
The payment market is being digitalised
07/11/2019 -The payment market is going through a phase of major change driven by new digital technology. It has become easier for most people to pay as it is now possible to pay by card or mobile phone virtually everywhere. Paying by card is most common,...
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...
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...
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...
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...
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...