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 for designing and operating the privately owned payments infrastructure. Given the importance of the payments infrastructure for various societal interests, the major banks should consider broadening their influence over the infrastructure. The independent members of Bankgirot's board are a good first step towards broader representation..

The evaluation made of the Swedish payments market shows that several other countries have more developed models for ensuring the influence of both the public sector and end-users over the payments infrastructure. The Riksbank needs to take an active role in ensuring that a broad societal perspective permeates the design of the payment infrastructure. This means enabling the influence of various interests in the RIX payments system and helping to ensure that the privately-owned infrastructure is designed to take into account all of the important social functions of the payments system. However, the ambition should be that non-banks, relevant public actors and representatives of end-users of the payments system, such as retailers and consumers, are given influence over the design of a future Swedish payments infrastructure.