Share of cash, mobile and online banking in P2P payments in Norway 2017-2021

As of the spring of 2021, the most common P2P payment method was with the mobile phone, through apps such as with Vipps or PayPal. Also, sixteen percent used mobile or online banking, whereas only three percent used cash. According to a survey from the previous year, PayPal was the second most common digital payment method in Norway, after paying with cards. Vipps was the third most common digital payment method, which was used by around a third of the respondents. Sweden is the leading mobile payment country    Though as many as 79 percent of all P2P payments in Norway was made with mobile phones, it is not the leading country when it comes to mobile payments. Sweden is the country with the highest user rate of mobile P2P payments. Indeed, 35 percent of Swedes transfer money via their mobile phone to another person at least once a week.    Mobile payments with Swish    Swish is the Swedish equivalent of the Norwegian Vipps and Danish MobilePay. Swish is a mobile payment app mainly intended for P2P payments but also used for business and trade purposes. It had over 7.6 million private customers as of July 2020, and a private Swish customer made on average 4.63 transactions that month.

至2021年春季，移动支付已成为最常见的点对点支付手段，用户可通过Vipps或PayPal等应用程序进行操作。此外，有百分之十六的受访者采用移动或在线银行进行支付，而使用现金支付的比例仅为百分之三。根据前一年的调查结果，PayPal在挪威成为第二常见的数字支付方式，仅次于卡片支付。Vipps则位居第三，大约三分之一的受访者使用该支付方式。瑞典是移动支付领域的领跑者。尽管在挪威，高达百分之七十九的点对点支付是通过手机完成的，但该国在移动支付领域并非领跑者。瑞典是移动点对点支付用户率最高的国家。实际上，35%的瑞典人至少每周通过手机向他人转账一次。Swish移动支付应用瑞典的Swish相当于挪威的Vipps和丹麦的MobilePay。Swish是一款主要针对点对点支付，同时也适用于商业和贸易活动的移动支付应用程序。截至2020年7月，Swish拥有超过760万私人客户，平均每位私人Swish客户当月完成4.63笔交易。