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Payments Report 2025

The Riksbank's work and recommendations

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The Riksbank's work and recommendations

Everyone shall be able to pay

Too many people are excluded from the digital payments market. For everyone to be able to pay, banks need to ensure that more people have access to a payment account. In addition, payment services need to be customised according to the needs of different consumers.

Illustration of an orange circle with one hand holding banknotes and one hand holding a payment card. The image also shows a hairdressing salon, a person standing by a parked car and a person standing by a bus station.

Published: 10 March 2025