To a degree. A bigger issue would actually be BankID, which is the secure online authentication service in Sweden, used by banks, government, insurance companie

To a degree. A bigger issue would actually be BankID, which is the secure online authentication service in Sweden, used by banks, government, insurance companies, etc. But there are still, somehow, banks in Sweden which don't support one or the other. And, well, useful as Swish is, it's not actually obligatory for life in Sweden. For what it's worth, BankID and Swish also support Windows Phone… for the remainder of 2018, anyway.