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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...
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...
Developments in Sweden differ from those in other countries
07/11/2019 -The amount of cash in circulation in Sweden has halved since 2007. This trend is unique to Sweden, even though Norway is also on a low level. In contrast, cash volumes are increasing in most other countries. A simple way of comparing cash volumes...
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...
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.
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...
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...
FAQ on new publication time and new source for exchange rates
27/11/2023 -27/11/2023: Changes have been made with regard to the Riksbank’s service “Search interest rates and exchange rates”. For exchange rates, the ECB (European Central Bank) has become a new source and, as a result, new exchange rate quotations is...