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Articles in the Financial Stability Report
13/11/2025 -Each Financial Stability Report contains a number of articles. These articles aim to provide a more detailed analysis of issues that are current and/or particularly relevant to the stability of the Swedish financial system.
Transfers abroad are perceived as safe but expensive
14/03/2024 -Transfers abroad are perceived as safe but expensive Foreign-born individuals are more likely to make transfers to private persons abroad than the Swedish population as a whole. The most common way of transferring money abroad is through the...
Half experience problems paying in cash
14/03/2024 -Half experience problems paying in cash In the 2023 survey, half of the respondents said they had wanted to pay in cash but the store did not accept it. The corresponding figure in 2022 was 37 per cent. One explanation for the increase could be...
Urgent need for a future-proof solution
14/03/2024 -Urgent need for a future-proof solution As more and more payments are made instantly, new global standards for payment messages are implemented and new players may eventually gain access to the payment infrastructure, the conditions for the...
Bills are mostly paid digitally
14/03/2024 -Bills are mostly paid digitally The vast majority of people have been paying their bills digitally for several years. In the Riksbank’s latest survey on payment habits, less than 5 per cent reported that they had used non-digital services such...
More people have a negative attitude to the decline in cash use
14/03/2024 -More people have a negative attitude to the decline in cash use Although few people pay in cash, an increasing number of people have a negative attitude to the decline in cash use – 44 per cent in 2023 compared to 36 per cent in 2022. The...
The Riksbank's work on a central bank digital currency
10/03/2025 -The Riksbank's work on a central bank digital currency The public currently has access to Swedish kronor either as cash, issued by the state, or as digital money, issued by private actors. As the use of cash declines, there is a risk that in the...
Most people use bank transfers to send money abroad
14/03/2024 -Most people use bank transfers to send money abroad Private persons can choose to send money abroad in different ways. According to the Riksbank’s survey on cross-border payments, around nine out of ten use payment services offered by regulated...
Climate impact of a potential e-krona
10/03/2025 -Climate impact of a potential e-krona A study by the Riksbank and the Royal Institute of Technology has analysed the potential climate impact of a central bank digital currency (CBDC), such as the Swedish e-krona. The study focuses on the...
The future of the digital euro affects work on the e-krona
10/03/2025 -The future of the digital euro affects work on the e-krona The Riksbank still needs to be ready for the possible introduction of an e-krona in the future. In 2024, analyses of the climate impact and offline solutions for an e-krona were...