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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...
All payments presuppose an underlying infrastructure
29/10/2020 -For cash to be used in society, an underlying infrastructure is required in the form of ATMs, service boxes for daily takings, transport vans and secure premises for the storage of cash, for example. When paper-based credit transfers are used,...
Card payments function smoothly
29/10/2020 -Overall, card-based cross-currency payments function smoothly, both for online purchases and when abroad. However, unlike when making payments in Swedish kronor, an exchange rate markup must be paid to the bank. In addition, card payments cannot...
Are payments in Sweden efficient?
29/10/2020 -Payments in Sweden are efficient, which is to say rapid and inexpensive. Digital payments using cards and Swish are cheaper than cash payments. As a large part of payments have become digital in Sweden, society’s costs for payments have started...
Swish fraud occurs
29/10/2020 -As Swish has become increasingly established as a payment service, it has also become increasingly common for Swish to be used in fraudulent advertising and phone fraud. The police also report that Swish has been used in money laundering with...
Fintech brings new solutions for the payment market
29/10/2020 -Fintech is an important sector that can contribute to new ways of paying and greater efficiency on the payment market. Fintech brings new solutions for the payment market...
Glossary
11/02/2022 -Application programming interface (API): Enables FinTech companies, for example, to connect to the banks’ systems and collect customer account information from different banks or initiate a payment from a customer’s bank account. Bigtech: Major...
E-krona – a digital complement to cash
29/10/2020 -Technological advances and digitalisation of payments have brought to a head the question of the future role of the state in the payment market. If nothing is done, this development will very likely lead to the general public no longer having...
New solution for instant payments in kronor
29/10/2020 -Instant payments are expected to become increasingly common in the future, and are expected to have more areas of use. Perhaps, for example, households may want to be able to pay for a car or redeem a mortgage and see that the payment has been...
ISO20022 – a new, shared ‘language’ for payments
29/10/2020 -To make a payment, the participants in it need to be able to communicate with each other in an agreed format that is a sort of shared language. It is therefore said that a payment is communicated through a shared standard. Around the world,...