Sweden's Swish and Norway's Vipps MobilePay apps were identified as potentially unreliable during systemic digital disruptions or attacks

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This was supposed to be the model for the future of finance. However, the Swedes now have second thoughts about cash, with the authorities even urging citizens to use cash more frequently for civil defense purposes. Popular payment apps, for instance, can become inaccessible in the case of cyberattacks.

The Guardian article he shared pointed out that only one in ten purchases in Sweden are now made using cash. Most Swedes use cards or Swish, a mobile payment app created by a group of banks in 2012. Norway, meanwhile, has Vipps MobilePay, which serves a similar function and is equally popular.