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Small businesses’ views on payments

12/03/2026 -

Small businesses’ views on payments Cards are the payment method most commonly accepted by small businesses in the Riksbank’s survey, followed by Swish and cash. At the same time, the acceptance of payment methods depends on the sector and the...

Payments & cash / Payments Report

Modernising the payments market

12/03/2026 -

Modernising the payments market Instant payments are on the rise in Europe. In parallel, solutions are being developed to connect payment services and infrastructures to enable instant payments between countries and currencies. In Sweden, both...

Payments & cash / Payments Report

Summary and recommendations

12/03/2026 -

Summary and recommendations Geopolitical tensions have affected the payments market. Both public and private actors are working to strengthen the payment system's resilience to disruptions and external threats. Moreover, combating fraud and...

Payments & cash / Payments Report

More new options needed in the payments market

12/03/2026 -

More new options needed in the payments market Payment service providers should offer more services for instant payments Banks and other payment service providers should offer more instant payment ser-vices to their customers, both individuals...

Payments & cash / Payments Report

Everyone must be able to pay

12/03/2026 -

Everyone must be able to pay There must be payment methods for everyone The Riksbank believes that the banks, the Riksdag and the Government need to do more to include more people in the payments market. Firstly, the banks should always consider...

Payments & cash / Payments Report

The Riksbank’s role in the payments market

12/03/2026 -

The Riksbank’s role in the payments market The Riksbank takes a socio-economic perspective, and provides solutions and takes action where it is difficult to achieve safe, efficient and accessible payments without central government intervention.

Payments & cash / Payments Report

The e-krona pilot – test of technical solution for the e-krona

27/05/2025 -

The Riksbank initiated a pilot project in 2019 to develop a proposal for a technical solution for a central bank digital currency, an e-krona, that could work as a complement to cash. The project was completed in 2023.

Payments & cash / E-krona

E-krona pilot phase 4

20/03/2024 -

The Riksbank's e-krona pilot is now releasing its fourth and final report, which analyses how an e-krona could work in practice, if a decision is taken to issue a central bank digital currency. In the report, the Riksbank has further...

Payments & cash / E-krona

Processing of personal data in the context of RIX

27/10/2025 -

The Riksbank process personal data to provide the settlement system RIX, that consist of two settlement services, RIX-RTGS and RIX-INST. This information is aimed at providing information on the Riksbank’s processing of personal data in the...

Payments & cash / The RIX payment system

E-krona pilot phase 1

06/04/2021 -

The e-krona pilot project’s report on the first phase of the project describes in brief the technical solution tested and the legal analyses made of the solution. The report also contains an account of the overall lessons learned from the...

Payments & cash / E-krona