2017
Cairn
Cecilia Skingsley, « How the Riksbank encourages innovation in the retail payments market : Speaking points at the session Financial stability, innovation, economic growth initiative (World Economic Forum – Davos) », Annales des Mines - Réalités industrielles, ID : 10670/1.9m6hjo
Sweden is a low cash society on the verge of becoming a very, very low cash society. Decreasing cash usage is, of course, mirrored in increasing use of electronic payments. The Swedish Central Bank managed to construct a scheme where the fast payments are backed by central bank money. Today, over half of the Swedish population have downloaded the fast payments app (Swish) on their smart phone and it has become a prominent feature in the retail payment landscape, providing a substitute for cash in person to person (P2P) payments.