JsonLu

Regarding Swish, it started as a service (owned by the major banks, among them Nordea, SEB, Handelsbanken and Swedbank) for sending money to other people (using phone number, both the sender and the recipient must register their phone number to use the service, usually through their bank).

Currently some businesses accept Swish as well, but it is not yet very common. You can in general not go into a shop and pay with Swish, some smaller shops yes, but not that many and not bigger shops (such as supermarkets). It is more widely used for very small businesses, such as market stands.

It is still a bit cumbersome to use in shops, you either have to manually enter the business "phone number" and sum, or scan a QR code (that is generated specifically for your transaction).

The main way of payment (other than cash) is still card with chip and pin. Contactless payments (using NFC equipped card, and pin for sums above a certain limit, usually SEK 200, about $20) are becoming more wide spread. The main problem is that many shops have not upgraded their card readers for contactless payments (even some readers that have the hardware, and NFC symbol, still don't accept contactless payments). There are some indications that many readers have to be replaced before year end due to new regulations, and apparently "all" new readers are NFC equipped.

In the past months Samsung Pay has been introduced, (I believe) SEB and Nordea support it and Swedbank is just now starting to support it.

I definitely look forward to the launch of Apple Pay here, I don't use Nordea though so I really hope that more banks come on board really really soon...