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Modernisation of the clearing infrastructure is urgent
10/03/2025 -Modernisation of the clearing infrastructure is urgent Bankgirot and the banks have extensive and urgent work ahead of them to modernise and streamline the Swedish infrastructure and services for batch payments. This includes implementing...
Future payments infrastructure needs to evolve
10/03/2025 -Future payments infrastructure needs to evolve The payments market has undergone rapid and extensive change, driven by increased digitalisation, new consumer behaviours and the emergence of new operators. This places new demands on the Swedish...
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...
Credit cards are now also more common than cash
29/10/2020 -Debit cards, where money is deducted directly from a bank account, are the most common way of paying in shops regardless of the size of the payment. Cash, on the other hand, is used more frequently for smaller payments, below 100 kronor. Credit...
Few disruptions in important systems
29/10/2020 -The Riksbank’s central settlement system for large-scale payments, RIX, and the clearing house, Bankgirot, are central hubs in the Swedish payment system. Disruptions and interruptions in either of these systems therefore affect the entire...
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...
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...
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...
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...