瑞典央行：2024年瑞典支付报告（英文版）（68页）.pdf

1、 SVERIGES RIKSBANK Payments Report 20242 Table of contents 1 Trends in the payments market 8 1.1 Payment habits in Sweden 9 1.2 Cash is rarely used and the supply of cash services is decreasing 14 1.3 Transfers abroad are perceived as safe but expensive 18 1.4 The digitalisation of payments is a glo

2、bal trend 21 2 Safety,efficiency and accessibility 27 2.1 Are payments in Sweden safe?28 2.2 Are payments in Sweden efficient?36 2.3 Are payments in Sweden accessible?42 3 The Riksbanks work and policy 45 3.1 Everyone must be able to pay 46 3.2 Payments should work even in crisis and war 48 3.3 Mode

3、rnisation of the payment infrastructure necessary 51 3.4 More measures needed to protect cash 55 3.5 Work on the e-krona continues 59 Glossary 62 Payments Report The Payments Report describes and analyses developments in the payments market over the past year.It presents the Riksbanks assessments an

4、d policy stance in the area of payments.The aim is to disseminate knowledge and to contribute to debate,and make it easier for external parties to monitor,understand and evaluate the Riks-banks work on payments.Between the years 2019 and 2022,the report was pub-lished annually at the end of the year

5、.From 2024 onwards,it will instead be published in the spring.No Payments Report was published in 2023.Published 14 March 2024.The Executive Board adopted the 2024 Payments Report on 6 March 2024.This report is intended primarily to be read digitally at riksbank.se.3 The Riksbanks responsibility for

6、 payments The Riksbanks objective is for payments in Sweden to be safe,efficient and accessible.Payments shall also function in peacetime crisis situations and states of heightened alert.The Riksbank takes an economic perspec-tive and provides solutions and acts where it is difficult to attain the o