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Half experience problems paying in cash
14/03/2024 -Half experience problems paying in cash In the 2023 survey, half of the respondents said they had wanted to pay in cash but the store did not accept it. The corresponding figure in 2022 was 37 per cent. One explanation for the increase could be...
Urgent need for a future-proof solution
14/03/2024 -Urgent need for a future-proof solution As more and more payments are made instantly, new global standards for payment messages are implemented and new players may eventually gain access to the payment infrastructure, the conditions for the...
Bills are mostly paid digitally
14/03/2024 -Bills are mostly paid digitally The vast majority of people have been paying their bills digitally for several years. In the Riksbank’s latest survey on payment habits, less than 5 per cent reported that they had used non-digital services such...
More people have a negative attitude to the decline in cash use
14/03/2024 -More people have a negative attitude to the decline in cash use Although few people pay in cash, an increasing number of people have a negative attitude to the decline in cash use – 44 per cent in 2023 compared to 36 per cent in 2022. The...
Most people use bank transfers to send money abroad
14/03/2024 -Most people use bank transfers to send money abroad Private persons can choose to send money abroad in different ways. According to the Riksbank’s survey on cross-border payments, around nine out of ten use payment services offered by regulated...
The payment system can be even more resilient to disruptions
14/03/2024 -The payment system can be even more resilient to disruptions The payment infrastructure has worked well in 2023. However, there may be disruptions to one or more payment methods, such as cyber-attacks or disruptions to electricity grids or data...
Difficult to compete in the payments market
14/03/2024 -Difficult to compete in the payments market The payments market has some specific characteristics that create challenges for achieving good competition. Payments, except in the case of cash, are basically a service for transferring information.
Payments consume significant resources
14/03/2024 -Payments consume significant resources The economic costs of payments in Sweden in 2021 are estimated at SEK 51 billion - almost 1 per cent of GDP - according to a study from the Riksbank. The economic costs have decreased over time and are in...
Instant payments contribute to greater efficiency
14/03/2024 -Instant payments contribute to greater efficiency The instant execution of payments contributes to a more efficient payment system for several reasons. Among other things, it reduces the need for intermediaries for e.g. clearing. If companies...
Banks have a major responsibility for consumer protection
14/03/2024 -Banks have a major responsibility for consumer protection Banks have a major responsibility to protect their customers’ money. For example, a bank may be required to reinstate an account if a consumer has been defrauded. This depends on how the...