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The infrastructure for digital payments has worked well in 2023

14/03/2024 -

The infrastructure for digital payments has worked well in 2023 The digital payments infrastructure as a whole has functioned well in 2023. However, in spring 2023 there were disruptions that affected all or part of the payment infrastructure on...

Payments & cash / Payments Report

Are payments in Sweden safe?

14/03/2024 -

Are payments in Sweden safe? Payments in Sweden are generally safe, but there are shortcomings that should be addressed. First, the cash infrastructure is entirely dependent on two private operators and is therefore highly vulnerable to changes...

Payments & cash / Payments Report

Are payments in Sweden accessible?

14/03/2024 -

Are payments in Sweden accessible? Part of the Swedish population does not have sufficient access to payment services, some because they have difficulties using digital payment services and others because they cannot access payment accounts. The...

Payments & cash / Payments Report

Are payments in Sweden efficient?

14/03/2024 -

Are payments in Sweden efficient? Payments in Sweden are, on the whole, efficient. Digital payments cost less than cash payments and so help reduce the consumption of resources at the societal level. However, some types of payment have evolved...

Payments & cash / Payments Report

Everyone must be able to pay

14/03/2024 -

Everyone must be able to pay To enable everyone to pay, banks need to make it possible for more people to have a payment account, including by offering accounts with limited functionality. Banks should also ensure that their services are well...

Payments & cash / Payments Report

All payments need an underlying infrastructure

14/03/2024 -

All payments need an underlying infrastructure For us to be able to pay, there needs to be an underlying infrastructure. The use of cash requires, for example, ATMs, cash-in-transit services, cash stocks and the production and destruction of...

Payments & cash / Payments Report

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...

Payments & cash / Payments Report

The e-krona as part of a long-term solution to the challenges of digitalisation

14/03/2024 -

The e-krona as part of a long-term solution to the challenges of digitalisation The Riksbank assesses that there are problems on the payments market and that many of them have arisen due to digitalisation. For example, digital payments are...

Payments & cash / Payments Report

The Riksbank has been given a clear mandate

14/03/2024 -

The Riksbank has been given a clear mandate The Sveriges Riksbank Act gives the Riksbank responsibility for ensuring that the public can make payments even in times of crisis and war. This responsibility gives us tasks and mandates that will...

Payments & cash / Payments Report

The possibility to pay offline needs to be improved

14/03/2024 -

The possibility to pay offline needs to be improved The Riksbank considers that the resilience of the payment system would be strengthened by improving the ability to pay by card and withdraw cash even when data communication is not working. The...

Payments & cash / Payments Report