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The possibility to pay offline should be extended
12/03/2026 -The possibility to pay offline should be extended Faktaruta - The Riksbank’s recommendation In the Payment Report 2025, the Riksbank considered that the ability to pay offline with cards needs to be improved. Since then, the Riksbank and...
Retail CBDC – a whole new kind of money
12/03/2026 -Retail CBDC – a whole new kind of money In an increasingly digitalised society, a debate has arisen about whether the central bank needs to issue money to the public and in digital form. A retail CBDC (central bank digital currency) is a digital...
Annex: Numerical data
12/03/2026 -Annex: Numerical data Payments report 2026 (Excel)...
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...
Problems with opening and maintaining payment accounts
14/03/2024 -Problems with opening and maintaining payment accounts Having access to a payment account is a prerequisite for making payments in today’s digital society. It is needed, for example, for debit cards and Swish. Without a payment account, it is...
Access to basic payment services is unsatisfactory
14/03/2024 -Access to basic payment services is unsatisfactory Everyone in Sweden shall have access to basic payment services at reasonable prices in accordance with the objective decided by the Riksdag. However, access to these services has deteriorated in...
Climate impact varies between payment methods
14/03/2024 -Climate impact varies between payment methods According to a research study conducted by the Royal Institute of Technology and financed by the Riksbank, the climate impact of payments in Sweden is very low. For example, the total climate impact...
The Riksbank’s work and policy
14/03/2024 -The Riksbank’s work and policy The Riksbank’s work and policy are based on an economic perspective. We provide solutions and act where it is difficult to achieve safety, efficiency and accessibility without government involvement, including by...