Payments Report 2025
Published: 10 March 2025
The digitalisation of the payments market has helped make payments faster, more convenient and cheaper for most people. At the same time, these developments have also brought challenges. Measures need to be taken to strengthen preparedness and reduce exclusion so that everyone can pay, even in the event of crisis or war. Furthermore, innovation and competition in the payments market can be improved. The central government is responsible for payments in Sweden being safe, efficient and accessible. Therefore, the state needs to act by setting a framework for the market and taking measures that solve immediate problems. The pursuit of safety, efficiency and accessibility in the payments market can sometimes go hand in hand, but there can also be conflicts between these objectives. For many years, efficiency has been the priority; today, safety and accessibility are at least as important.
Trends on the payments market
The global payments market has been transformed by, among other things, technological innovation and changing consume...
The Swedish payments market is almost entirely digital Small businesses' views on payments Many small retail businesses have stopped accepting cash Global trends in the payments market
Safety, efficiency and accessibility
Payments in Sweden are generally safe, efficient and accessible, but there are problems with fraud and the payments...
Are payments in Sweden safe? Are payments in Sweden efficient? Are payments in Sweden accessible?
The Riksbank's work and recommendations
The Riksbank takes a socio-economic perspective and provides solutions and acts where it is difficult to attain safet...
The public's ability to pay in times of crisis and states of heightened alert needs to be strengthened Everyone shall be able to pay Future payments infrastructure needs to evolve The RIX payments system needs to be able to handle future challenges The future of the digital euro affects work on the e-krona Annex: Numerical data