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The payments market is generally safe but fraud and money laundering are problems
12/03/2026 -The payments market is generally safe but fraud and money laundering are problems Swedish payments are generally safe. They reach the recipient and there is a high level of protection for individuals' sensitive authentication and payment data.
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...
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...
Strengthening the conditions for competition in the payments market by increasing price transparency
10/03/2025 -Strengthening the conditions for competition in the payments market by increasing price transparency To further strengthen the functioning of the payments market, the Riksbank considers that the pricing of payment services needs to become more...
Broadening the influence over the future payments infrastructure
10/03/2025 -Broadening the influence over the future payments infrastructure A future Swedish payments infrastructure is important for the whole of society and affects consumers, companies and the public sector. The major banks have long been responsible...
The Riksbank's work on a central bank digital currency
10/03/2025 -The Riksbank's work on a central bank digital currency The public currently has access to Swedish kronor either as cash, issued by the state, or as digital money, issued by private actors. As the use of cash declines, there is a risk that in the...
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.
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...
The future of the digital euro affects work on the e-krona
10/03/2025 -The future of the digital euro affects work on the e-krona The Riksbank still needs to be ready for the possible introduction of an e-krona in the future. In 2024, analyses of the climate impact and offline solutions for an e-krona were...
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...