Payments in Sweden are generally efficient, well developed and work well for most people. More payment methods have started to be accepted in commerce, which favours competition. However, some types of payment have evolved at a different pace than others. Among other things, there should be more types of payments that can be settled immediately, the private infrastructure for regular batch payments (such as direct debits and bank giro payments) is in dire need of upgrading and, finally, cross-border payments need to become faster and cheaper. This is a problem outlook that remains from the Riksbank's assessments in the Payments Report 2024. The Riksbank is contributing to increased efficiency on the payments market, for instance, by having opened up for more types of payment than Swish in the RIX-INST payments system.