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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...
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...
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...
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...
Several countries have started work on central bank digital currency
29/10/2020 -At the start of 2020, an international working group was formed on behalf of central bank governors from a group of countries to share lessons learned, create a shared view and discuss the way forward for central bank digital currency available...
Why are we no longer using cash?
07/11/2019 -More and more Swedes no longer use cash. In 2010, 39 per cent of the respondents in the Riksbank’s survey on payment habits in Sweden said that they paid for their most recent purchase in cash. In 2018, this figure had fallen to 13 per cent. At...
Broadband and mobile phones enable new solutions
07/11/2019 -Via the internet, smartphones and other information technology (IT), digitalisation has changed our way of working, communicating and shopping. The payment market and the way we pay are also undergoing major change to meet the new needs. This...
The Riksbank is testing a technical solution for the e-krona
29/10/2020 -In partnership with the consulting company Accenture, the Riksbank is conducting a pilot project to develop a technical solution for an e-krona that can work as a complement to cash. The aim of the project is to show how an e-krona could be used...
The Riksbank adapts its systems
07/11/2019 -Most payments in Sweden are currently settled in the Riksbank’s settlement system for large-value payments (RIX). As RIX is constructed for large-value payments between financial institutions, all smaller payments between bank customers have to...
PSD2 enables greater competition
07/11/2019 -The EU has been working to increase competition on the payment market. A modified regulatory framework gives payment service providers the opportunity to access customers’ payment accounts and thereby initiate payments and compile account...