Not everyone uses Swish, there are some holdouts. I'm one of them actually, for a variety of reasons. First of all I do not trust mobile devices enough to allow

Not everyone uses Swish, there are some holdouts. I'm one of them actually, for a variety of reasons. First of all I do not trust mobile devices enough to allow them access to financial resources. It is not clear where the liability lies in case of erroneous or fraudulent transactions. I'm also a holdout against the cashless society as I do not see the need for my financial transactions to be visible/traceable/mineable/monetizable by 'interested parties'.