https://www.bbc.com/capital/story/20180427-does-a-cashless-society-benefit-everyoneDoes a cashless society benefit everyone?2018-04-27 Maijlis Jonsson is a 73-year-old living in the centre of Sweden’s capital Stockholm. She leads an active life with her friends, travelling around the city and meeting in coffee shops. However, one issue keeps cropping up that causes her stress. ================== https://knowledge.wharton.upenn.edu/article/going-cashless-can-learn-swedens-experience/Going Cashless: What Can We Learn from Sweden's Experience? August 31, 2018 Sweden is regarded as the poster child of cashless countries and is expected to become the world's first cashless society by March 2023. This means that cash will not be a generally accepted means of payment in Sweden. This journey has been powered by various factors such as a robust card payment system, strong internet infrastructure, a popular mobile payment app, supportive legal framework and a cultural mistrust of cash.
================== https://www.loc.gov/item/global-legal-monitor/2021-02-05/sweden-amendment-requiring-banks-to-provide-access-to-cash-services-enters-into-force/On January 1, 2021, an amendment to the Swedish Act on Payment Services ( Lagen (SFS 2010:751) om betaltjänster) requiring banks to provide access to cash services entered into force. The amendment stipulates as follows: 1 § Such credit institutions and branches of foreign credit institutions that supply customers with payment accounts that include basic functions must provide services that make it possible to withdraw cash from these accounts (places for cash withdrawal) to an adequate extent throughout the country. Such credit institutions and branches of foreign credit institutions that supply businesses with payment accounts that include basic functions must provide services that make it possible to deposit cash into these accounts (places for daily cash deposits) to an adequate extent throughout the country. The first and second paragraphs apply only to institutions and branches that on July 1 of the preceding year had more than 70 billion kroner [about US$8.4 billion] in deposits from the public.
================== https://interestingengineering.com/innovation/sweden-how-to-live-in-the-worlds-first-cashless-societyOn March 24, 2023, in Sweden, cash was no longer accepted as a means of payment. In general, cash is already a no-go in Sweden. A unique law in Sweden enables merchants to make customers pay electronically despite the status of cash as a legal tender. Sweden's culture of innovation and being early adopters of technology, coupled with the nation's high quality of life, have played a paramount role in the transition. Once Sweden becomes a cashless economy, citizens and visitors will no longer be able to use cash to make purchases. They will have to make all payments electronically. Coins and banknotes will not completely disappear at the beginning. But no one will be able to use them in a practical sense. They will become just collectibles and will be included in museums' collections.
2022年只有8%的瑞典人在近期购物时使用现金，而2010年这一比例为40%；这包含了仅仅只是偶尔才使用现金的人数占比。 2021年统计，全瑞典98%的交易金额是无现金支付的。 （无现金交易，包括刷卡和数字货币和各种pay等。）
======================== 2018年的文章：https://zhuanlan.zhihu.com/p/37164398 英文原文： https://www.bbc.com/capital/story/20180427-does-a-cashless-society-benefit-everyone Jonsson 今年 73 岁，住在瑞典首都斯德哥尔摩的市中心。她的生活充满活力，和朋友们一起在城中游玩，去咖啡店约会。 然而，一件突入其来的事情给了她很大压力。 多年来，瑞典一直稳步地向完全无现金社会迈进。 现在，商店所有的交易中只有不到五分之一使用现金，是五年前的一半。 瑞典还禁止在公共汽车上使用纸币和硬币，许多旅游景点仅接受非现金方式交易。 法律规定商店可以拒绝接受现金。因此许多商店现在都有标志牌，写着「no cash, please.」，对于那些不愿或不能接受这些改变的人来说，生活可能会很艰难。 瑞典皇家理工学院（KTH Royal Institute of Technology）的阿维德森（Niklas Arvidsson）教授是瑞典在支付系统方面的顶尖专家，他承认，某些特定人群存在被时代抛弃的危险，比如老年人。 他说，「农村地区的小商户也遇到了问题，那里的电信系统可能无法运行。」
============ 2020年的文章：http://www.jjckb.cn/2020-08/20/c_139303547.htm 试点将最终为中央银行数字货币（一种可以作为现金补充的电子克朗）制定技术解决方案。 由瑞典央行与埃森哲公司（Accenture）合作开展，预计将持续到2021年2月，到时瑞典央行将对发行电子克朗、如何设计电子克朗或使用何种技术作出具体决策。 据介绍，该技术解决方案将基于分布式账本技术（DLT），通常称为区块链技术。而电子瑞典克朗的确切作用及其对瑞典经济的潜在影响将取决于其设计方式。
============ 2021年的文章：https://baijiahao.baidu.com/s?id=1709935150934696137 全球首个“无现金国家”：无现金支付比例达98％ 目前瑞典的消费额中只有2%的消费使用的是现金，约98%的交易以电子支付方式完成，而剩下的绝大部分都实现了便捷支付，同时银行也十分鼓励大家少使用现金。 据统计，瑞典的1600家银行，已经有900多家银行停止了现金服务，随着这种现象的出现，瑞典无现金的比率还在持续上升。如今瑞典已成为世界上首个没有现金的国家，当地国民使用的便捷支付就是银行卡或是信用卡支付，并且按照无现金总额的角度，瑞典的普及率要高于中国。
============ 2023年文章：http://www.chinanews.se/static/content/BOTL/2023-11-03/1169954592689004894.html 任何想在瑞典用纸币或硬币支付早餐费用的人，最好事先检查一下钱包或者详细了解一下咖啡馆的信息。因为如今瑞典的许多商店不再接受现金，瑞典人几乎完全使用数字支付并且对此非常满意。 “我相信支付交易的数字化可以提高透明度并打击逃税行为。对于零售业员工来说，这也提高了效率：任何曾经在分店处理过现金的人都知道，这涉及大量的手动工作。”哈克勒尔说道，“并且还有成本。” “我曾在家里的饼干罐里发现了现金，然后拿着它去了超市。但收银员告诉我钞票已经失效了。”那家超市不收这笔钱。 哈克勒尔表示，纸币和硬币从瑞典日常生活中迅速消失的主要原因是该国对数字技术的高度亲和力。纳税申报、行政流程、患者档案……一切都已经数字化。另一个原因在于信用卡的使用量不断增加。在瑞典，任何开设银行账户的人都会自动获得一张信用卡。
============ 2024年的文章：https://www.mpaypass.com.cn/news/202401/16101641.html 2022年只有8%的瑞典人在近期购物时使用现金，而2010年这一比例为40%。
引用国内网站的信息本身就没有任何意义。一个不允许不同意见发表的国家，任何信息，不管真假，都不可信。
瑞典不就是那个大家排队去把自己像宠物和牲口一样microchip上以方便出入购物的国家吗？
这个是未来, 刷脸支付, 刷掌支付, 植入晶片支付, 你将一无所有, 但是你会很快乐.
https://www.bbc.com/capital/story/20180427-does-a-cashless-society-benefit-everyone Does a cashless society benefit everyone? 2018-04-27 Maijlis Jonsson is a 73-year-old living in the centre of Sweden’s capital Stockholm. She leads an active life with her friends, travelling around the city and meeting in coffee shops. However, one issue keeps cropping up that causes her stress.
==================
https://knowledge.wharton.upenn.edu/article/going-cashless-can-learn-swedens-experience/ Going Cashless: What Can We Learn from Sweden's Experience? August 31, 2018 Sweden is regarded as the poster child of cashless countries and is expected to become the world's first cashless society by March 2023. This means that cash will not be a generally accepted means of payment in Sweden. This journey has been powered by various factors such as a robust card payment system, strong internet infrastructure, a popular mobile payment app, supportive legal framework and a cultural mistrust of cash.
================== https://www.loc.gov/item/global-legal-monitor/2021-02-05/sweden-amendment-requiring-banks-to-provide-access-to-cash-services-enters-into-force/ On January 1, 2021, an amendment to the Swedish Act on Payment Services ( Lagen (SFS 2010:751) om betaltjänster) requiring banks to provide access to cash services entered into force. The amendment stipulates as follows: 1 § Such credit institutions and branches of foreign credit institutions that supply customers with payment accounts that include basic functions must provide services that make it possible to withdraw cash from these accounts (places for cash withdrawal) to an adequate extent throughout the country. Such credit institutions and branches of foreign credit institutions that supply businesses with payment accounts that include basic functions must provide services that make it possible to deposit cash into these accounts (places for daily cash deposits) to an adequate extent throughout the country. The first and second paragraphs apply only to institutions and branches that on July 1 of the preceding year had more than 70 billion kroner [about US$8.4 billion] in deposits from the public.
==================
https://interestingengineering.com/innovation/sweden-how-to-live-in-the-worlds-first-cashless-society On March 24, 2023, in Sweden, cash was no longer accepted as a means of payment. In general, cash is already a no-go in Sweden. A unique law in Sweden enables merchants to make customers pay electronically despite the status of cash as a legal tender. Sweden's culture of innovation and being early adopters of technology, coupled with the nation's high quality of life, have played a paramount role in the transition. Once Sweden becomes a cashless economy, citizens and visitors will no longer be able to use cash to make purchases. They will have to make all payments electronically. Coins and banknotes will not completely disappear at the beginning. But no one will be able to use them in a practical sense. They will become just collectibles and will be included in museums' collections.
了解一下瑞典的电子克朗！
那你问问瑞典政府，为什么6年前就在所有公共交通和部分景点，完全强制地，禁止使用现金？
你知道中国大陆的银联卡发行量多少么？
累计发行了大约93亿张，包括储蓄卡和信用卡，（其中2亿在中国大陆的境外，含港澳台），2023年的月活账户卡超过60亿。
当然无现金社会有它的缺点，我只是说一个优点
果然一众双标党又开始了
西方搞无现金社会，那就是高级先进 中国现金使用下降，那就是闭关自守，是愚昧
呵呵
我觉得是这样啦，瑞典的无现金社会真的比较人性化，老人不会用的，社工还上门辅导，现金使用也比较顺畅
中国操作得粗糙一些，外国人和社会弱势群体使用不是很方便
瑞典是一个1970年还在给‘劣等人’做强制绝育的国家，也不知道咋就成了很多润人的梦想之地。。。
刷一下 Visa 卡，交给 Visa 3%手续费，哪个商家愿意干？
在美国没得选，Mastercard 也一样。在中国商家有得选。中国商家支付的手续费一般是 0.6%，美国的五分之一
有的商家目光短浅，没看到交3%手续费可能营业额度增加10+%呢？
美国的商家也有得选，譬如很多加油站现金就是比刷卡便宜，中国城的餐馆也是，现金便宜。
你是说海外来旅游的人刷卡可以给商家带来额外 10% 的营业额？
是的，这才是根本原因。
应该向visa/mastercard施压，让其在中国大陆降低手续费率。
就像很多英文书籍版权方那样，在中国的翻译版都只是很低的版权税金额和版权税率，可以做到零售单价很低，但由于新增销量巨大，好几倍，所以整体收益并不少。
我觉得不可能带来10%的销售额增长。
何况，小店的商品，都是有不低的进货成本，利润较薄，销售额新增20%甚至30%以上，才值得不在乎3%的手续费。
中国用手机号验证，就像美国用邮寄地址验证，本质是一样一样的。
中国大陆通过通信运营商这个渠道，美国通过USPS邮政和其他快递公司这个渠道，彼此彼此，反而，中国的效率更高更普惠更便捷。
https://www.douban.com/note/697189829 瑞典，一个没有隐私的国度 2018-11-19 在瑞典工作，学习，移民等长期居住的人，都会从税务局(Skatteverket)获得一个人口号，相当于我们的身份证号，这个人口号是我们在瑞典的通行证。 然而，任何人只要从税务局获得了人口号，也就同时意味着有关你的信息将会被放在网上公布，这包括了你的姓名，住址，年龄，婚姻状况，名下房产公司等等。如果你购买了手机套餐，那么你的手机号码也会被登记出来。 在瑞典有许多的网站可以查询你的信息，比如Eniro, Hitta.se, Birthday.se, Ratsit 还有 Merinfo 等等。 网站的界面通常都很简单，而且都是免费查询。 在瑞典，这样的信息公开，是完全合法的。普通人想保护自己的隐私，不想让自己被别人搜索到信息，几乎是不可能的事。 瑞典的信息保护机构Datainspektionen告诉大家，要想让自己不被搜到，唯一的方法就是去税务局，申请个人信息被保密。但这个很难申请，你必须要有合理的理由来证明自己的个人信息收到了非常严重的威胁。
瑞典、芬兰和挪威每年都会公布所有人的所得税申报表。在瑞典，随便什么人的薪酬都能查到，你只要打个电话到税务局问一下。对方知道你在查他的信息，但仅此而已。