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Payments have continued to function well during the coronavirus pandemic
29/10/2020 -In 2020, the coronavirus spread with devastating consequences for both individual people and social life. Public authorities around the world introduced comprehensive restrictions to prevent the virus from spreading, to protect human life and to...
Central bank digital currencies an important international issue
03/11/2021 -When a group of companies headed by Facebook launched the idea of creating their own currency in 2019, which was then called Libra but later changed name to Diem, central banks around the world took note. With Facebook’s global network, this type...
Initiatives to help vulnerable groups
29/10/2020 -The county administrative boards’ task is to ensure that possibilities for using basic payment services meet social needs, and they have a special responsibility for investigating how the situation is for older people and people with...
New ways of using Swish
29/10/2020 -For purchases in physical shops, it is much more unusual to use Swish or invoicing. Only one per cent of respondents state that they have done so for their latest purchase. However, Swish is developing its services for payment using QR code and...
Many people make payments by mobile, for example with Swish
29/10/2020 -Electronic commerce and mobile payments, such as Swish, are becoming increasingly common. Other payment applications such as Apple Pay and Google Pay are also becoming more popular. About five per cent of young people in Sweden own some form of...
The use of cash is declining
29/10/2020 -In 2010, 39 per cent of respondents in the Riksbank’s survey of the payment behaviour of the Swedish population said that they paid for their most recent purchase in cash. By 2020, this figure had fallen to 9 per cent. At the same time, 50 per...
The risk of card fraud in shops in Sweden is low
29/10/2020 -Paying by card is safe in Sweden, but card fraud can occur when a debit card or credit card is read during payment, or when withdrawing cash from an ATM. In a European comparison made by the ECB, Sweden was just above the European average...
More counterfeit banknotes
29/10/2020 -Even if the money and institutions that manage our payments are secure, there may be other risks linked to our payments and means of payment. For example, there is always a risk that cash will be stolen or counterfeited. But from an...
Important to maintain non-digital means of payment
29/10/2020 -Cash services are being automated to an increasing degree. Manual cash services, in which cash can be withdrawn and deposited over the counter, are becoming increasingly rare at banks. Automated cash services work well for most consumers but for...
Paying by mobile or card is cheaper than using cash
29/10/2020 -Some costs are fixed and do not depend on how many payments have been carried out, such as rent for premises and purchases of hardware. Other costs are variable and depend on the number of payments, such as petrol for the vans that transport...