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Swish is great, but it is sensitive infrastructure. It has already been down multiple times due to DDoS attacks (together with BankId). Don't let Swish complete

by vodou 1y ago

Swish is great, but it is sensitive infrastructure. It has already been down multiple times due to DDoS attacks (together with BankId). Don't let Swish completely replace a stash of cash at home.

jamesblonde 1y ago
It's another knife in the drawer.
benrutter 1y ago
I've got bad news for you on that front: https://www.explorsweden.com/sweden-destinations/sweden-a-cashless-society-embracing-the-future-of-money/ https://www.explorsweden.com/sweden-destinations/sweden-a-ca... (tldr Sweden is pretty cashless and a lot of shops don't accept cash)
- dijit 1y ago
  speaking from a Swedish perspective, I haven’t even seen Swedish currency in about eight years. I’m not even joking.
  - guappa 1y ago
    That's your personal choice. Doesn't mean stores don't accept cash.
    - dijit 1y ago
      No, its the nature of the country. And, most companies don’t take cash, especially smaller ones. Large companies (ICA the supermarket) takes cash but it’s like 1/200 who use cash and the cashier is often visibly flustered when cash is presented.
      - guappa 1y ago
        Please stop mansplaining (and wrongly so at that!). I happen to be in sweden in this very moment. And no, cashiers are not flustered and alarmed when they see cash, old people pay with cash every day. Yes there is some restaurants that will not take cash. Last april I was in a place where they did not take cards :) There's more to sweden than what you personally experience.
        nandomrumber 1y ago
        What does gender have to do with this conversation?
        guappa 1y ago
        Unfortunately there is no term for "stop explaining my own country to me", but there are similarities with that other situation so… a rhetorical figure? Heard of those?
        dijit 1y ago
        There was a term: condescending, which is ironic because you were being quite condescending in your reply to me about my observed experience being somehow a personal choice. I could write a huge diatribe of statistics and behaviours that back me up, it's quite public that even in 2022 across the entire country only 8% of transactions were made in cash- which is even lower in the cities. https://www.riksbank.se/globalassets/media/rapporter/betalningsrapport/2022/engelsk/payments-report-2022.pdf https://www.riksbank.se/globalassets/media/rapporter/betalni... And it's also quite well known that many independent businesses do not accept cash (my Coffee Shop, the restaurants I frequent (Quan in Malmo, Marvin in Malmo)). And yes I've visibly seen cashiers recoil after putting a transaction through to the payment terminal; only to have the person tell them that they'd rather pay in cash (leading to the cashier becoming flustered). Yes, it's more common that old people use cash (from my observed experience) but increasingly they're using debit cards (not mobile payment methods like younger folks), but no: the country is pretty much cashless; and coming from the UK (where not accepting cash is definitely a more controversial decision outside of London): here it's seen as pretty normal to say "no cash" or "cash free". Speaking for: Stockholm, Malmo, Gothenburg, Lund, Sundsvall, Oskarshamn and Umeå, and after being in the country for 11 years. I'm not sure what other representation I should be seeing. Talking about my personal observed experience doesn't invalidate yours, but it feels like I can speak for the overwhelming majority of the population here. And incidentally I'm also in Sweden right now (https://mrkoll.se/person/Jan-Martin-Harris-Harasym-Kattsundsgatan-20-Malmo/uerADYuquerAmUxadYQabTAQmkyqRaQcYfrkyqRaQdYQakyqRaQcYfr https://mrkoll.se/person/Jan-Martin-Harris-Harasym-Kattsunds...); if you'd like me to document a day trying to use only cash I'll let you know how it goes. But I won't be able to get to work (Malmo Busses do not take cash) and I won't be able to eat at any of the restaurants in Malmo (Saluhallen and the others I mentioned above are entirely cashless) so I'll have to use COOP, Willis or ICA exclusively.
    - BDPW 1y ago
      Many many restaurants and stores never accept cash here. This would be a huge problem if cash suddenly becomes the only way of paying for everyone at the same time.
      - guappa 1y ago
        Stores accept cash. Some restaurants don't, but restaurants aren't really something necessary for survival.
  - victorbjorklund 1y ago
    Yeah, I don't know if I even seen the new money.
  - eptcyka 1y ago
    There are lots of places where most customers still pay in cash. Mostly ethnic minorities in stores that cater for ethnic minorities. I find it interesting that ethnicity or religion would end up being a signal informing if one is using cash or digital money.

by vodou 1y ago

Swish is great, but it is sensitive infrastructure. It has already been down multiple times due to DDoS attacks (together with BankId). Don't let Swish completely replace a stash of cash at home.

jamesblonde 1y ago

It's another knife in the drawer.

benrutter 1y ago

I've got bad news for you on that front: https://www.explorsweden.com/sweden-destinations/sweden-a-cashless-society-embracing-the-future-of-money/ https://www.explorsweden.com/sweden-destinations/sweden-a-ca... (tldr Sweden is pretty cashless and a lot of shops don't accept cash)

dijit 1y ago
speaking from a Swedish perspective, I haven’t even seen Swedish currency in about eight years. I’m not even joking.
- guappa 1y ago
  That's your personal choice. Doesn't mean stores don't accept cash.
  - dijit 1y ago
    No, its the nature of the country. And, most companies don’t take cash, especially smaller ones. Large companies (ICA the supermarket) takes cash but it’s like 1/200 who use cash and the cashier is often visibly flustered when cash is presented.
    - guappa 1y ago
      Please stop mansplaining (and wrongly so at that!). I happen to be in sweden in this very moment. And no, cashiers are not flustered and alarmed when they see cash, old people pay with cash every day. Yes there is some restaurants that will not take cash. Last april I was in a place where they did not take cards :) There's more to sweden than what you personally experience.
      - nandomrumber 1y ago
        What does gender have to do with this conversation?
        guappa 1y ago
        Unfortunately there is no term for "stop explaining my own country to me", but there are similarities with that other situation so… a rhetorical figure? Heard of those?
        dijit 1y ago
        There was a term: condescending, which is ironic because you were being quite condescending in your reply to me about my observed experience being somehow a personal choice. I could write a huge diatribe of statistics and behaviours that back me up, it's quite public that even in 2022 across the entire country only 8% of transactions were made in cash- which is even lower in the cities. https://www.riksbank.se/globalassets/media/rapporter/betalningsrapport/2022/engelsk/payments-report-2022.pdf https://www.riksbank.se/globalassets/media/rapporter/betalni... And it's also quite well known that many independent businesses do not accept cash (my Coffee Shop, the restaurants I frequent (Quan in Malmo, Marvin in Malmo)). And yes I've visibly seen cashiers recoil after putting a transaction through to the payment terminal; only to have the person tell them that they'd rather pay in cash (leading to the cashier becoming flustered). Yes, it's more common that old people use cash (from my observed experience) but increasingly they're using debit cards (not mobile payment methods like younger folks), but no: the country is pretty much cashless; and coming from the UK (where not accepting cash is definitely a more controversial decision outside of London): here it's seen as pretty normal to say "no cash" or "cash free". Speaking for: Stockholm, Malmo, Gothenburg, Lund, Sundsvall, Oskarshamn and Umeå, and after being in the country for 11 years. I'm not sure what other representation I should be seeing. Talking about my personal observed experience doesn't invalidate yours, but it feels like I can speak for the overwhelming majority of the population here. And incidentally I'm also in Sweden right now (https://mrkoll.se/person/Jan-Martin-Harris-Harasym-Kattsundsgatan-20-Malmo/uerADYuquerAmUxadYQabTAQmkyqRaQcYfrkyqRaQdYQakyqRaQcYfr https://mrkoll.se/person/Jan-Martin-Harris-Harasym-Kattsunds...); if you'd like me to document a day trying to use only cash I'll let you know how it goes. But I won't be able to get to work (Malmo Busses do not take cash) and I won't be able to eat at any of the restaurants in Malmo (Saluhallen and the others I mentioned above are entirely cashless) so I'll have to use COOP, Willis or ICA exclusively.
  - BDPW 1y ago
    Many many restaurants and stores never accept cash here. This would be a huge problem if cash suddenly becomes the only way of paying for everyone at the same time.
    - guappa 1y ago
      Stores accept cash. Some restaurants don't, but restaurants aren't really something necessary for survival.
- victorbjorklund 1y ago
  Yeah, I don't know if I even seen the new money.
- eptcyka 1y ago
  There are lots of places where most customers still pay in cash. Mostly ethnic minorities in stores that cater for ethnic minorities. I find it interesting that ethnicity or religion would end up being a signal informing if one is using cash or digital money.