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Payments Report 2025

The Riksbank's work and recommendations

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The Riksbank's work and recommendations

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 payments infrastructure. The infrastructure must evolve and adapt to continue to enable secure, efficient and accessible payments for all users.

Illustration with an orange circle where the Riksbank building is at the bottom, half of the building consists of circuit boards. Above the house, a light bulb is lit. The background consists of arrows pointing to the right and a globe in the foreground.

Published: 10 March 2025