瑞典央行近日调整了该国长期推行的无现金社会政策，改而要求民众保留现金储备。1这一转变源于俄乌战争引发的安全考量，央行意识到电子支付系统容易因停电或遭受破坏而瘫痪。1为此，瑞典央行要求每位居民在家中保留1000瑞典克朗（约80英镑）的现金，并向各家庭发放了题为《如果危机或战争来临》的宣传册。1
7月，央行进一步宣布杂货店和药店等必需商店必须在有人员的收银台接受现金支付。1然而这项政策调整并未有效扭转瑞典社会的支付习惯。1数据显示，2025年仅有5%的购物者在店内购买时使用现金，远低于2023年的10%和15年前的40%。1相比之下，挪威和丹麦的现金使用率分别为2%和8%。1
尽管现金使用持续萎缩，民众对这一趋势的态度有所改观。12025年9月的调查显示，将近一半的受访者认为瑞典现金使用减少是"有些"或"非常"负面的发展，这一比例较2022年的36%有所上升。1
Sweden, once positioned to become a fully cashless economy, is reversing its strategy following geopolitical tensions. The Swedish central bank has recognized vulnerabilities in electronic payment systems to power outages and potential disruption, prompting a shift toward maintaining cash reserves 1.
In July, Swedish authorities implemented new requirements mandating that essential retailers—including grocery stores and pharmacies—accept cash at staffed checkout counters 1. Concurrently, the central bank urged residents to keep 1,000 Swedish kronor (80 pounds) in cash at home and distributed a pamphlet titled "If Crisis or War Comes" to households 1. Despite these measures, cash usage remains minimal among Swedish consumers, with only 5% of shoppers using cash for their most recent in-store purchase in 2025, compared to 10% in 2023 and 40% fifteen years earlier 1.
Public sentiment regarding the decline of cash transactions has shifted noticeably. A September 2025 survey found that nearly half of respondents viewed the reduction in cash usage as "somewhat" or "very" negative, up from 36% in 2022 1. Across Scandinavia, cash adoption remains similarly low, with Norway reporting 2% and Denmark 8% of consumers using cash in recent store transactions 1.
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