Credit cards was how this all started in Sweden. Cash usage has been going down since the late 1990s, and the Swish thing is fairly new, we still use credit car

Credit cards was how this all started in Sweden. Cash usage has been going down since the late 1990s, and the Swish thing is fairly new, we still use credit cards mostly, but swish is popular for smaller establishments or temporary events and such. You cant transfer money to your friends using a CC, but swish solves that. Its basically a national, private owned, Paypal, and that is the problem. Everybody uses it. My fiancee works at a school cafeteria, and Swish is the only accepted payment method. Not even credit cards work there.