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RIX-INST may facilitate instant payments between different currencies
15/12/2022 -RIX-INST may facilitate instant payments between different currencies At present, TIPS only allows payments to be settled in the same currency, meaning that the payer and the recipient have accounts in the same currency. As a result of the...
The Riksbank is making preparations for a possible e-krona
15/12/2022 -The Riksbank is making preparations for a possible e-krona The Riksbank is investigating the possibility of issuing a digital complement to cash, known as the e-krona. This would preserve public access to government-issued money even if cash...
More measures are needed to ensure everyone can pay
14/03/2024 -More measures are needed to ensure everyone can pay The Riksbank’s assessment is that there are problems with inclusion in the payments market in Sweden. Too many people do not have sufficient access to payment services, which you can read more...
Competition contributes to efficient payments
15/12/2022 -Competition contributes to efficient payments Competition means that market players must constantly develop and improve their services and products to avoid falling behind their competitors. This often leads to efficiency in the form of lower...
RIX-INST can increase the efficiency of the Swedish payment system
15/12/2022 -RIX-INST can increase the efficiency of the Swedish payment system Instant payments are increasingly in demand. This is illustrated not least by the popularity of Swish. It is also illustrated by a regulatory proposal from the European...
Payments must be energy efficient
15/12/2022 -Payments must be energy efficient Climate change affects society and therefore our economy, which can create risks in the financial system. To this end, the Riksbank monitors the climate risks in its policy work. Last year’s Payments Report...
All payments require an underlying infrastructure
15/12/2022 -All payments require an underlying infrastructure In order for us to pay, we need payment instruments, such as cash, a card or a mobile phone, and equipment at the payment recipient’s premises, such as a cash register or card terminal. Payments...
Some lack access to a payment account
15/12/2022 -Some lack access to a payment account In today’s society, having access to a payment account and payment services is essential for managing one's finances. Within the EU, the Payment Accounts Directive gives all consumers legally resident in the...
Cost studies measure the social cost of different payments
15/12/2022 -Cost studies measure the social cost of different payments To measure the social cost of different types of payments, the Riksbank conducts cost studies. The Riksbank collects data from households, companies, the public sector, banks and other...
The Swedish payment infrastructure is being renewed
15/12/2022 -The Swedish payment infrastructure is being renewed To ensure that payments in Sweden remain efficient and to simplify payments abroad, existing systems are being replaced with new payment infrastructure and a new regulatory framework.