[DavidVoid]

> Digital payments are very convenient and deeply integrated, so long as you have a local ID which allows you use the local payment system Swish etc.

Just to reiterate how ubiquitous Swish and BankID are here: 99.9% of Swedish residents age 18-67 have BankID (8.6M users), while Swish has 8.7M private users, and 93% of those users send or receive money via Swish at least once per month.