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Increased access to payment infrastructure can lead to more efficient payments

10/03/2025 -

Increased access to payment infrastructure can lead to more efficient payments To be able to operate, payment service providers, such as fintech companies, need access to payment infrastructure and a payment account. More payment service...

Payments & cash / Payments Report

The Riksbank's work and recommendations

10/03/2025 -

The Riksbank's work and recommendations The Riksbank takes a socio-economic perspective and provides solutions and acts where it is difficult to attain safety, efficiency and accessibility without central government involvement. This includes,...

Payments & cash / Payments Report

New regulation can help increase accessibility

10/03/2025 -

New regulation can help increase accessibility In June 2025, the Act on the accessibility of certain products and services will enter into force. The law aims to make banking and payment services more accessible through requirements such as...

Payments & cash / Payments Report

Are payments in Sweden accessible?

10/03/2025 -

Are payments in Sweden accessible? For most people in Sweden, access to the payments market is good. The digitalisation of the payments market has helped make payments faster and more convenient for most people. At the same time, many are not...

Payments & cash / Payments Report

More measures needed for a sustainable cash chain

10/03/2025 -

More measures needed for a sustainable cash chain At the end of 2024, an inquiry at the Ministry of Finance submitted proposalsfor measures to secure the possibility of paying by cash and access to cash services (the inquiry is described in more...

Payments & cash / Payments Report

External evaluation of payments infrastructure points to areas for improvement

10/03/2025 -

External evaluation of payments infrastructure points to areas for improvement In spring 2024, the Riksbank commissioned an independent expert with extensive international experience of payment issues to assess the Swedish payments market. A key...

Payments & cash / Payments Report

Riksbank study on future Swedish payments infrastructure

10/03/2025 -

Riksbank study on future Swedish payments infrastructure In the Riksbank study The way forward for clearing and settlement of retail payments in Swedish kronor, the Riksbank presents its view of how the infrastructure needs to be modernised over...

Payments & cash / Payments Report

Introduce a cash obligation and a threshold for cash payments

10/03/2025 -

Introduce a cash obligation and a threshold for cash payments Cash is needed to enable everyone to pay and to provide an additional means of payment in the event of crisis or war. The Riksbank therefore considers that there should be a general...

Payments & cash / Payments Report

The Riksbank's responsibility for cash

10/03/2025 -

The Riksbank's responsibility for cash According to the Sveriges Riksbank Act, the Riksbank must operate at least five banknote depots at various sites throughout the country. This is a significant increase, as previously there was only one...

Payments & cash / Payments Report

Developments in the payments market require modernisation of the infrastructure

10/03/2025 -

Developments in the payments market require modernisation of the infrastructure The Riksbank has long emphasised the need for a new, efficient and safe payments infrastructure in Sweden in the form of systems for clearing and settling payments.

Payments & cash / Payments Report