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Small businesses have difficulty estimating the cost of receiving payments
10/03/2025 -Small businesses have difficulty estimating the cost of receiving payments Companies' perceptions of the costs of accepting payments vary, and many find it difficult to estimate how much of their annual turnover is spent on this. Almost one in...
Are payments in Sweden efficient?
10/03/2025 -Are payments in Sweden efficient? Payments in Sweden are, on the whole, efficient. Shops and service-related businesses accept different payment methods and find that payments work smoothly. The payment infrastructure is evolving to allow more...
Many small retail businesses have stopped accepting cash
10/03/2025 -Many small retail businesses have stopped accepting cash Around two thirds of the companies in the Riksbank's survey accept cash. However, there are major differences between sectors. Many of the companies that stopped accepting cash have done...
Important to promote competition on the payment market
03/11/2021 -For payments to be efficient, it is important that there is sound competition between the actors offering payment services. Over the last decade, a number of fintech companies have become established on the payment market in Sweden. They use new...
New Sveriges Riksbank Act clarifies the Riksbank's responsibility but does not give the necessary flexibility
03/11/2021 -Bild 3.2 New Sveriges Riksbank Act clarifies the Riksbank's responsibility but does not give the necessary flexibility The Riksbank’s current responsibility for ensuring there is access to cash in society is clarified in the proposal for a new...
RIX further developed to meet future needs
03/11/2021 -The Riksbank settles the banks’ and other financial institutions’ payments to one another and the aim is to do this as smoothly and efficiently as possible. It is also important for the Riksbank to offer a central payment system that can meet...
Energy consumption high for some means of payment
03/11/2021 -One cost to society that has received considerable attention recently is the energy consumption for different means of payment. It is above all the extreme use of resources for Bitcoin that has been in focus. The University of Cambridge...
Parts of cash infrastructure secured
03/11/2021 -The Riksbank, politicians and other authorities share concerns that the development towards a cashless society entails problems and have therefore implemented a number of measures. In January 2021, for instance, a new act came into force that...
3. The Riksbank's work and policy
03/11/2021 -The Riksbank is responsible for payments in Sweden being safe and efficient. To meet future needs, the Riksbank’s system for large-value payments is now being further developed. The Riksbank is taking an even greater responsibility for the...
Are payments efficient?
03/11/2021 -Payments in Sweden are on the whole efficient. Digitalisation means that society's costs for payments fall, as digital means of payment are cheaper than payments in cash. However, this development is problematic for people who do not use digital...