Can't afford a smartphone? That's going to cost you.

[Celerity]

16. Swish is just a mobile payment system, like Venmo, Cash App, Apple Pay, etc

Swish is by far (around 85 per cent of Swedes use it) the largest, most widely used one here.

I love it, as I can pay anyone who has it instantly, dygnet runt (24-7, around the clock). It is far more secure than a credit card or a paper cheque (cheques are almost never used here, I have not see one in ages, most places will not accept them, for obvious reasons).

I have never written a cheque in my life, never had them, nor have I ever had a landline phone myself (my parents had one whilst I grew up in London). I also almost never use cash, mainly for security reasons, but also it just isn't convenient.

All that above is not limited to just the EU/UK. Most of my American-based friends are the same, at least the ones who are remotely near my age group (18-34, I just turned 28yo right before the US elections).