No. In Sweden, 99% of all payments are cahsless. Most stores don’t even take cash anymore.
We still have plenty of (digital) options for payment in addition to Visa/Mastercard.
In my view, it’s actually the opposite. The more digital paymenst are used, the higher the incentive to create a competing payment solution. Swish and Klarna are taking over more and more here.



















It’s mostly a middle man to outsource payments. The stire doesn’t care if it’s on credit or not. You can pay directly with a bank account through Klarna, at least with the major Swedish banks.