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. Several factors are changing the conditions for the existing infrastructure, such as the increasing number of instant payments and the growing demand for harmonisation and the use of common international standards in both domestic and cross-border payments. Both private and public actors have a responsibility to modernise the payments infrastructure.

In 2024, the Riksbank produced an analysis of how the payments infrastructure needs to be modernised in the coming years, and commissioned an external evaluation of the Swedish payments market with particular focus on the infrastructure.