瑞典數(shù)字支付行業(yè)市場前景及投資研究報(bào)告-培訓(xùn)課件外文版2024.6微信支付寶

DIGITAL

&

TRENDSDigitalpaymenttypesinSwedenCHAPTER

01MarketshareShareofcashestimateatpointofsale(POS)inSwedenfrom2000to2021AnnuallevelofcashpaymentsinSweden2000-202160%56.3%52%50%40%30%20%10%0%44.3%43.5%43.1%37.8%

37.5%29.3%25%23.8%22.1%21.2%20.1%18.6%18%16.2%15.7%13.9%12.5%11.9%11.7%11.4%2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

20214Description:Cashmoneywasusedinroughly13percentofallretailpaymentsinSweden,makingitmoreofacashlesssocietythanothers.Thisaccordingtoestimationsbasedontheavailabledataregardingcashwithdrawalsandpaymenttransactions.Nodataexistsontheactualuseofcashmoney,outsideofsurveydiaries.Suchadiary,coveringconsumers'useofcashmoneyinshops,washeldinEuropeonlyonce,in2017.Asnotallpaymentdataisreadilyavailable,liketheuseofOTCor[...]

ReadmoreNote(s):Sweden;2000to2021;ThenumbersprovidedhavebeencalculatedbySource(s):ECB;IMF;PYMNTS;TheRiksbankusingnumbersonATMandOTCwithdrawals.Seethe"Details"tabformoreinformationShareofcurrencyincirculation(CIC)tothenominalGDPofSwedenfrom2001to2022Annualcurrencyincirculation(CIC)toGDPratioofSweden2001-20224.5%4.0%3.5%3.0%2.5%2.0%1.5%1.0%0.5%0.0%4.28%4.12%4.03%3.85%3.79%3.6%3.44%3.29%3.31%2.95%2.69%2.58%2.24%2.08%1.72%1.41%1.29%1.25%1.26%

1.25%1.12%1.09%2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

20225Description:ThevalueofcoinsandbanknotesinSwedenmadeupslightlymorethanonepercentofGDPin2022,apercentagebroadlycomparabletopreviousyears.Thisso-calledCIC/GDPratioroughlymeasurestheuseofcashinthecountry.Duetotheanonymityofcashtransactions,sourcesstruggletofindexactvolumesonthis.Theratiomentionedhereisquitepopularinthatregard,asthedataitneedsisrelativelyeasytofind.Someindustryexpertsmention,however,thatthisratioistoo[...]

ReadmoreNote(s):Sweden;2001to2022Source(s):IMF;WorldBankMarketshareofcash,creditcards,andotherpaymentmethodsatpointofsale(POS)inSwedenfrom2017to2023,withaforecastfor2027Mostusedin-store(POS)paymentmethodsinSweden2017-2023,with2027forecast201759%2%19%-201956%9%16%-202055%11%18%5%202151%13%22%-202252%15%20%5%202348%20%20%5%202736%40%14%4%DebitcardE-wallet,Digital/mobilewalletCreditcard(incl."chargecard"since2021)*POSfinancing*Cash17%-15%-9%8%8%5%3%BuyNow,PayLater(splitofffrom"POSfinancing"in2021)*-4%---Retailer/bankfinancing(splitofffrom"POSfinancing"in2021)*---3%-------Chargecard*3%3%3%6Description:CashlesspaymentoptionsremaineddominantinSwedishPOS,asmobilewalletsespeciallysawtheirmarketshareincreaseovertheyears.Debitcardsandcreditcardscombinedforatotalmarketshareofmorethan70percentin2021,althoughthefirstwasusedlessoftenthaninpreviousyears.TheshareofmobilewalletsisnotableinSwedenduetothegrowingpopularityofdomesticpaymentappSwish.Thiscooperationbetweenthedomesticcentralbankandthecountry'slargest[...]

ReadmoreNote(s):Sweden;March2024;*Thesourcemadechangestoitscategoriesin2021,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayPaymentsatpointsofsalebytypeinSwedenasofDecember2023PaymentsatpointsofsalebytypeinSweden2023Shareofrespondents0%10%20%30%40%50%60%70%71%DebitcardCash36%35%CreditcardMobiledevice(e.g.,smartphone,smartwatch)Prepaidcard/vouchers30%17%Check4%2%3%IhavenotpaidatanypointofsaleOther7Description:"Debitcard"and"Cash"arethetoptwoanswersamongSwedishconsumersinoursurveyonthesubjectof"Paymentsatpointsofsalebytype".ReadmoreNote(s):Sweden;JanuarytoDecember2023;2027respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcash,creditcards,andotherpaymentmethodsduringonlineshoppinginSwedenfrom2016to2023,withaforecastfor2027Mostusede-commercepaymentmethodsinSweden2016-2023,with2027forecast20162017201920202021202220232027Account-to-account(A2A)-incl."banktransfers"and"directdebit"since2022**20%30%42%Buynow,paylater(BNPL)Creditcard-incl."chargecard"since2021*E-wallet,Digital/mobilewalletDebitcard25%12%18%18%23%11%16%19%1%25%17%20%15%1%24%17%21%15%1%21%16%15%14%1%18%10%18%10%0%11%7%12%7%30%1%30%Cashondelivery(CoD)Prepaidcard1%1%1%1%1%1%1%1%PrePay1%1%1%Banktransfer**21%21%20%22%3%17%5%Directdebit**Chargecard*14%12%9%5%3%E-invoices20%8Description:Accordingto2022data,almostoneoutoffourofe-commerceusersinSwedenpreferredtopayfortheirpurchasesviaBNPL.Swedenishometooneofthebiggestpureplayersinbuynow,paylater:Klarna.WalletsrankedasSweden'ssecond-mostpopulare-commercepaymentmethod,aheadofdebitcards.Cryptocurrencywasnotusedwhatsoeverfore-commercepaymentsinSpain.

ReadmoreNote(s):Sweden;March2024;Thesourcemademultiplechangestoitscategoriesovertime,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayMostcommononlinepaymentsbytypeinSwedenasofDecember2023MostcommononlinepaymentsbytypeinSweden2023Shareofrespondents0%10%20%30%40%50%60%59%DirectdebitDebitcard56%54%ByinvoiceOnlinepaymentservices(e.g.,PayPal,AmazonPay)Creditcard42%34%Prepaidcards/vouchers25%Cashinadvance14%Cashondelivery7%IhavenotconductedanypaymentsonlineOther2%4%9Description:"Directdebit"and"Debitcard"arethetoptwoanswersamongSwedishconsumersinoursurveyonthesubjectof"Mostcommononlinepaymentsbytype".ReadmoreNote(s):Sweden;JanuarytoDecember2023;2027respondents;18-64yearsSource(s):ConsumerInsightsMarketshareofcryptocurrencycomparedtootherpaymentmethodsinselectedcountriesacrosstheworldasof2023Penetrationofcryptoasameansofpaymentinselectedcountriesworldwidein2023Share

ofrespondentsNumber

ofrespondentsSurvey

freAustraliaAustria2%1000Everythre2%24872975EverythreEverythreBelgium1.4%CanadaCyprus1%20001016EveryfouEverythre1.5%Estonia0.9%1506Everythre10Description:Cryptocurrencyasapaymentmethodrarelyexceededthreepercentofoverallpaymentswithinacountrybetween2021and2023.Thisisaccordingtomultiplepaymentdiarysurveyshelddomesticallyacrosstheworld,atvarioustimes.Duetothedecentralizednatureofcryptocurrencies-Bitcoinitself,forexample,wasinitiallycreatedasaprotestagainstcentralauthorities-thereisnounifiedapproachordatabasetotrackhowmuchthedigitalassetisusedasapaymentmethod.Some[...]ReadmoreNote(s):Australia,Austria,Belgium,Canada,Cyprus,Estonia,Finland,France,Germany,Greece,Ireland,Italy,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Poland,Portugal,Slovakia,Slovenia,Spain,Sweden,Switzerland,UnitedKingdom,UnitedStates;March2023;Asof2023,thereisnocentralizedtrackingofcryptopaymentsacrosscountries.Thenumbersprovidedhereweregatheredfromvariousdomesticsourcesandstemfromlocallyheldpaymentdiaries,whichareheldatvariousfrequencies,timesofyear,andlikelyfollowdifferentmethodologiesoraskdifferentquestionsfromoneanother.Thefiguresmaythereforenotnecessarilybecomparabletooneanother.Source(s):BankofCanada;DNB;ECB;FederalReserve;FinancialConductAuthority;Ipsos;NationalBankofPoland;ReserveBankofAustralia;SchweizerischeNationalbank;TheDutchPaymentsAssociation;TheRiksbank;YouGovCHAPTER

02PenetrationPenetrationrateofcreditcardsinSwedenfrom2014to2029PenetrationrateofcreditcardsinSweden2014-20296048.4448.5448.6248.6848.7248.7548.7748.3548.345040302010047.4846.6345.845.3645.2345.1144.98201420152016201720182019202020212022202320242025202620272028202912Description:ThecreditcardpenetrationinSwedenwasforecasttocontinuouslyincreasebetween2024and2029byintotal0.2percentagepoints.Aftertheseventhconsecutiveincreasingyear,thecreditcardpenetrationisestimatedtoreach48.77percentandthereforeanewpeakin2029.ReadmoreNote(s):Sweden;2014to2029;allvaluesareestimatesSource(s):PenetrationrateofdebitcardsinSwedenfrom2014to2029PenetrationrateofdebitcardsinSweden2014-202912097.8498.0498.2498.2298.298.1998.1798.1398.1798.2298.2698.3198.3598.498.4597.64100806040200201420152016201720182019202020212022202320242025202620272028202913Description:ThedebitcardpenetrationinSwedenwasforecasttocontinuouslyincreasebetween2024and2029byintotal0.2percentagepoints.Aftertheseventhconsecutiveincreasingyear,thedebitcardpenetrationisestimatedtoreach98.45percentandthereforeanewpeakin2029.ReadmoreNote(s):Sweden;2014to2029;allvaluesareestimatesSource(s):MobilepaymentsusageperformedwithanymobiledeviceatPOSinSwedenfrom2018to4thquarterof2023QuarterlyadoptionofmobilepaymentsatPOSinSweden2018-202335%30%25%20%15%10%5%0%2018

H12019

H22019

H12020

H22020

Q12021

Q22021

Q32021

Q42021

Q12022

Q22022

Q32022

Q42022

Q12023

Q22023

Q32023

Q4202314Description:Between2018and2023,theusageofmobilesatpointofsaleinSwedenwitnessedanincreaseof10percentagepoints.In2018,theshareofrespondentsusingmobilepaymentsatPOSstoodat19percent,whichincreasedto29percentinthethirdquarterof2023.?ThisisaccordingtoaquestionaskedthroughoutmultiplesurveysfromStatista'sConsumerInsights.Thenumbersshownhererefertoarolling12-monthshareofrespondentswhoindicatedtheyusedamobilepaymentdevice-[...]

ReadmoreNote(s):Sweden;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Residentialonlinepopulation;12-monthrollingaverageSource(s):ConsumerInsightsMobilepaymentsbysituationinSwedenin2022MobilepaymentsbysituationinSweden2022Shareofrespondents0%5%10%15%20%25%30%35%34%IwouldliketopaywithmysmartphoneallthetimeForpublictransportationticketsForfoodanddrinksinrestaurantsForfoodanddrinksinbarsandcafésForeverydaypurchases(e.g.food)Foradmissiontickets20%16%15%14%11%11%Forminorpurchases(e.g.decorationitems)Fortravelbooking9%Formajorpurchases(e.g.washingmachine)Idon'twanttopaywithmysmartphoneatallOther5%17%2%Don'tknow15%15Description:Whenaskedabout"Mobilepaymentsbysituation",mostSwedishrespondentspick"Iwouldliketopaywithmysmartphoneallthetime"asananswer.34percentdidsoinouronlinesurveyin2022.ReadmoreNote(s):Sweden;fourwavesfrom10January2022to14December2022;2029respondents;18-64yearsSource(s):ConsumerInsightsCryptoAdoptionIndexrankingofSwedenfrom2020to2023,bymetricAnnualcryptoadoptiondevelopmentinSweden2020-2023,bymetricRank

ofindividual

weighted

metrics

feeding

into

indexOverallranking(outof146countries)202046202158202278202370Overallindexscore(1=highest,0=lowest)0.12700.15640.18850.0168On-chaincryptocurrencyvaluereceivedatcentralizedexchanges,rankingOn-chainretailvaluereceivedatcentralizedexchanges,ranking67388568Numberofon-chaindeposits,ranking4028n/a63n/a44n/a79Peer-to-peer(P2P)exchangetradevolume,rankingOn-chaincryptocurrencyvaluereceivedfromDeFiprotocols,rankingn/an/a6267On-chainretailvaluereceivedfromDeFiprotocols,rankingn/an/a676716Description:Swedenconsistentlyrankedlowcomparedtoothercountriesworldwidewhenitcomestocryptoadoptionbasedontransactionvolume.Thisisaccordingtoestimatesbasedonwebtraffictowardindividualwebsitesthatareusedtoperformcryptocurrencytransactions.Swedendidnothaveaspecificmainareainwhichitpreferredtousecrypto.InitialestimatesshowcasedaninterestinP2Ppayments,butthisrankingcontinuouslydeclinedasmoreresearchreleased.

ReadmoreNote(s):Sweden;July2020toJune2023;Ranking(1=highest,146=lowest);Weightedbypurchasingpowerparity(Source(s):Chainalysis;percapitaDistributionofdomesticandcross-bordere-commercerevenuesin2023,bycountryDomesticandcross-bordere-commercerevenueshare2023,bycountryShareofrevenueCross-border

Domestic40%

50%0%10%20%30%60%70%80%90%100%Japan

2%Sweden

3%UnitedStates

3%Brazil

3%Canada

3%China

3%SouthKorea

3%98%97%97%97%97%97%97%96%96%96%95%94%FinlandGermanyUnitedKingdomArgentina4%4%4%5%6%Indonesia17Description:TheDigitalMarketOutlookestimatesthattheshareofcross-bordere-commerceretailrevenuein2023willbeonlyaroundtwopercentinJapan.TheUnitedStatesandChinaalsohadarelativelylowshareofcross-boarderrevenue,atthreepercent.BelgiumandAustria,ontheotherhand,hadasignificantlyhighershareoftheire-commercerevenuegeneratedcross-border,at32and19percent,respectively.

ReadmoreNote(s):Worldwide;estimatesSource(s):DigitalMarketInsightsShareofdigitallyinitiatedremittancesinSwedenfrom2ndquarter2016to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingdigitalremittancesinSweden2016-2023TraditionallyinitiatedDigitallyinitiatedDigitalend-to-end120%100%80%60%40%20%0%Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q320162016201620172017201720172018201820182018201920192019201920202020202020202021202120212021202220222022202220232023202318Description:TheshareofdigitalremittancesleavingSwedenwasslightlyhigherin2023thaninpreviousyears,takingupthemajorityofmoneytransfers.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromSweden.ThethreecountriesSwedensendsthehighestvalueofremittancesincludeFinland,Thailand,andGermany.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthetotaltrafficbetween[...]ReadmoreNote(s):Sweden;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry;Seethe"Details"tabformoreinformationonthecategorizationSource(s):WorldBank(RemittancePricesWorldwide)CHAPTER

03BiggestbrandsMarketshareofpaymentcardbrands-Visa,Mastercard,AmericanExpress,orin-marketlocalcardschemes-inSwedenfrom2018to2022BiggestinternationalanddomesticpaymentcardschemesinSweden2018-2022MastercardVisaAmericanExpress120%100%80%60%40%20%0%2018201920202021202220Description:ThemarketshareofMastercardinSwedenwassignificantlylargerthanthatofbothVisaandAmericanExpress.In2021,Mastercardreachedamarketshareof71percent,followedbyVisawithamarketshareof28percent.OnlyasmallshareusedAmericanExpress(2percent).OnaEuropeanlevel,themarketshareofMastercardandVisawasalmostreversedtothoseofSweden.MastercardwasonlythesecondmostcommonwhileVisawastheleadingpaymentcardbrand,intermsof[...]

ReadmoreNote(s):Sweden;2018to2021;Basedontotaltransactionvalue,eitheronlineorofflineSource(s):GlobalData;PPRO;WorldpayMostusedmobilepaymentsbybrandinSwedenasofDecember2023MostusedmobilepaymentsbybrandinSweden2023Shareofrespondents0%10%20%30%40%50%60%70%80%77%SwishApplePay45%Klarna40%GooglePay22%MastercardClicktoPay(Masterpass)13%12%SamsungPayCarPay7%Betalo4%4%FidesmoGarminPayFitbitPaySwatchPAY!Other3%2%2%2%21Description:WeaskedSwedishconsumersabout"Mostusedmobilepaymentsbybrand"andfoundthat"Swish"takesthetopspot,while"SwatchPAY!"isattheotherendoftheranking.ReadmoreNote(s):Sweden;JanuarytoDecember2023;603respondents;18-64years;respondentswhousedmobilepaymentinrestaurants,storesandotherpointsofsaleinthepast12months(Health,Finance,Insurance)Source(s):

ConsumerInsightsMostusedonlinepaymentsbybrandinSwedenasofDecember2023MostusedonlinepaymentsbybrandinSweden2023Shareofrespondents0%10%20%30%40%50%60%70%80%Swish80%PayPalKlarna76%75%Trustly34%Qliro31%ApplePayGooglePay27%25%MastercardClicktoPay(Masterpass)18%AmazonPayPayex10%7%PaysonRivertySkrill5%4%4%22Description:WeaskedSwedishconsumersabout"Mostusedonlinepaymentsbybrand"andfoundthat"Swish"takesthetopspot,while"MetaPay(Facebook)"isattheotherendoftheranking.ReadmoreNote(s):Sweden;JanuarytoDecember2023;844respondents;18-64years;respondentswhousedonlinepaymentmethods(Health,Finance,Insurance)Source(s):ConsumerInsightsBiggestbuynow,paylater(BNPL)appsinSwedenfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestbuynow,paylater(BNPL)appsinSweden2015-2023,basedondownloadsKlarnaWalleyPayPal*QliroZaver600,000500,000400,000300,000200,000100,000023Description:KlarnadownloadswerethehighestofallBNPLappsfoundinSweden,althoughitscompetitionwasnotfarbehindinthefourthquarterof2024.Thisisaccordingtoresearchintoapproximately150differentappsthateitherofferbuynow,paylaterdirectly,orarecloselyaffiliatedwithit.Sweden'smainBNPLappis,naturally,Klarna,asitcomesfromthiscountry.ThereareotheroptionsavailableinSweden,however.WalleyisaBNPLpaymentmethodexclusivetotheNordicsregion.Qliro[...]

ReadmoreNote(s):Sweden;March2024;Thisstatisticistheresultofresearchintoroughly150differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;Theappsondisplayheremadeup99.8percentofalldownloadsinQ42023Source(s):AppMagic;BusinessWire;CBInsights;ecommerceDB.com;Fincog;PayU;SiftedBiggestwalletsforcryptocurrencystorageinSwedenfrom1stquarterof2015to4thquarterof2023,bynumberofdownloadsBiggestcryptocurrencywalletsinSweden2015-2023,basedondownloadsBinanceeToroSweatWalletBybitKuCoinExodusTrustOKXCoinbaseMetaMaskCoinbaseWalletKrakenBitgetBitcoin&CryptoDeFiWallet

MEXC250,000200,000150,000100,00050,000024Description:BinancedownloadsinSwedenwerehigherthanthoseofCoinbaseorMetamask,eventhoughSwedenusedmanyappsforcrypto.Thisisaccordingtoanestimateusingroughly130differentappsthatofferacryptowalletfunctionfromacrosstheworld.Walletsarebutonetypeofappthatinteractswithdecentralizeddigitalassets,althoughitcanbedifficulttoseparatethedifferentapplicationsfromeachother.Cryptowalletsareoftenusedforcryptostorage,andlesssoforpayments.[...]

ReadmoreNote(s):Sweden;March2024;Thisstatisticistheresultofresearchintoover190differentappsusedforBNPLacrosstheworld.Formoreinformation,seethe"Details"tab;The15appsondisplayheremadeup76.5percentofalldownloadsinQ4[...]

ReadmoreSource(s):AppMagic;CoinGecko;Website(CryptoSlate)BrandswiththehighestnumberofA2ApaymentstransactionspermonthinEuropein2023(inmillions)BiggestA2ApaymentbrandsinEuropein2023,basedonmonthlytransactioncountMonthlytransactioncountinmillions40

6002080100120140160BLIK(Poland)iDEAL(Netherlands)142111.17Vipps,MobilePay(Norway,Denmark,Finland)Swish(Sweden)7573.3Bizum(Spain)63.5TWINT(Switzerland)32.1725Description:MonthlytransactionsperformedwithPoland'sBLIKandiDEALintheNetherlandswereroughlyonparwitheachother,despitethedifferencesinpopulationsize.ThetwopaymentmethodsareregardedasEurope'smainexamplesofA2Apayments.Suchpaymentsaretransactionsmadedirectlyfromoneparty(account)toanotherwhilebypassingtraditionalcardrails.Somesourcesincludetraditionalbanktransfers,checks,ordirectdebitsasexamplesofA2A,butmostoutletsassociateA2A[...]

ReadmoreNote(s):Europe;October2023;Thefiguresprovidedhavebeencollectedandcalculatedbyfromvariousdomesticsources.Allfigureswerereportedatvarioustimes,andmaynotbedirectlycomparable.Seethe“Details”tabformoreinformation.Source(s):Bankgirot;CentraalBureauvoordeStatistiek;Currence;NationalBankofPoland;NorgesBank;SchweizerischeNationalbank;TheRiksbank;VarioussourcesBiggestbrandsforremittancesinSwedenfrom4thquarter2015to3rdquarter2023,basedonremittanceoutflowtowardsanyothercountryQuarterlymarketshareofoutgoingremittancebrandsinSweden2015-2023WesternUnionWorldRemitMoneyGramRemitlySmallWorldTransferGalaxyNordeaBankSEBRiaSkrillOther120%100%80%60%40%20%0%26Description:WesternUnionwasusedthemostforoutgoingremittancesfromSwedenin2023,althoughitsmarketsharedeclineoverthecourseoftheyear.Thisisaccordingtoacustom-madecalculationfrombasedonthenumberofreportedremittancechannelsgoingawayfromSweden.ThethreecountriestowhichSwedensendsthehighestvalueofremittancesareFinland,Thailand,andGermany.Remittancesarearelativelyunchartedtopic,though.Whilefiguresexistonthetotal[...]ReadmoreNote(s):Sweden;September2023;Figuresarebasedontheremittancechannelsthatexistinaremittancesendingand/orreceivingcountry.Source(s):WorldBank(RemittancePricesWorldwide)CHAPTER

04UsersTotalnumberofcreditcardsanddebitcardsincirculationinSwedenfrom2000to2022AnnualcreditcardanddebitcardsissuedinSweden2000-2022CreditcardsDebitcards12,000,00010,000,0008,000,0006,000,0004,000,0002,000,00002000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

202228Description:CreditcardfiguresinSwedenreachedover6.6millioncardsin2022,adecreasecomparedtopreviousyears.Creditcardsrepresentedroughly40percentofpaymentcardsinSweden.Debitcardswerefoundmoreofteninthecountry,asthatyeartherewerearound11millionofthesecards.Thenumbersprovidedareestimates,basedonthefigurescentralbankshavetosupply.Owningapaymentcarddoesnotimmediatelyindicateitgetsused,astherearelargedifferenceswithinEurope[...]

ReadmoreNote(s):Sweden;2000to2022;FigureswerefirstreleasedinNovember2023,andhaveaboutayeardelayduetocalculationsSource(s):ECB;TheRiksbankShareofindividualswhoownacreditcardinSwedenin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialcreditcardpenetrationinSweden2011-2024,bydemographic201153.5%0%201445.4%35.7%201745%202148.4%38%2024*44.5%38.5%OwnershipUsedacreditcardGender:34.7%Male56.8%50.3%48.4%42.3%48.5%41.5%52.7%43.8%49%Female39.8%Agegroup:15-24years25yearsandolderIncomelevel:Poorest40%Richest60%18.4%57.6%16.2%52.8%12.4%50.5%19.8%52.2%17.3%49%46.1%58.5%34.8%53.2%34.7%51.8%35.4%57%30.1%54.1%29Description:Accordingtoathree-yearsurvey,nearlyfiveoutof10respondentsfromSwedenownedacreditcardin2021,with38percentofthemactuallyhavingusedone.Thedifferencebetweenownershipandusagewasroughly10percentagepointsin2021,afigurecomparabletothepercentagepointsdifferencein2017.Thereportaddsthatmenweremorelikelythanwomentoownsuchapaymentcard.GenZ-ortheagegroup1

yearsinthissurvey-wassizablylesslikelytoownacredit[...]

ReadmoreNote(s):AugusttoNovember2021;approx.1,000percountry;15yearsandolder;Entirecivilian,noninstitutionalizedpopulation;*Thedatafor2024isaforecastcalculatedby

Thefiguresshownarefromaglobalsurveyheldevery3years.Datafor2021-themostrecentyearavailable-wasreleasedinJune2022.Source(s):Gallup;

WorldBankShareofindividualswhoownadebitcardinSwedenin2011,2014,2017and2021withaforecastfor2024,byage,gender,andincomelevelTriennialdebitcardpenetrationinSweden2011-2024,bydemographic201195.5%-201497.6%92.7%201798.2%91.6%202198.2%94.9%2024*99.4%95.3%OwnershipUsedadebitcardGender:Male94.8%96.1%96.8%98.4%97.4%99.1%97.8%98.5%99.1%99.9%FemaleAgegroup:15-24years25yearsandolderIncomelevel:Poorest40%Richest60%94.2%95.8%96.9%97.8%98.1%98.3%96.7%98.4%98.5%99.5%94.3%96.3%97.5%97.7%98.7%97.9%96.9%99%98.9%99.8%30Description:Accordingtoathree-yearsurvey,morethannineoutof10respondentsfromSwedenownedadebitcardin2021,withabout91percentactuallyusingone.Thedifferencebetweenownershipandusagewasroughlysixpercentagepointsin2021,aslightincreasefromadifferenceoffivepercentagepointsin2017.Thereportaddsthatwomenweremorelikelythanmentoownsuchapaymentcard.GenZ-ortheagegroup15t

arsinthissurvey-wereaslikelytoownadebitcardthan[...]

ReadmoreNote(s):AugusttoNovember2021;approx.1,000percountry;15yearsandolder;Entirecivilian,noninstitutionalizedpopulation;*Thedatafor2024isaforecastcalculatedby

Thefiguresshownarefromaglobalsurveyheldevery3years.Datafor2021-themostrecentyearavailable-wasreleasedinJune2022.Source(s):Gallup;

WorldBankEstimatednumberofpeoplewhoholdortradecryptocurrencyinSwedenfrom4thquarterof2021to4thquarterof2022QuarterlynumberofcryptousersinSweden2021-2022Numberofusers(inmillions)Shareofpopulation(%)111000006.56.46.36.26.165.95.85.75.6Q42021Q32022Q4202231Description:ThenumberofpeoplewhouseorholdcryptoinSwe