This, as I see  2  Cards can be used when paying at a distance, too, for instance for online purchases. However, the Riksbank has no confirmed statistics on these payments. 3  Examples of mobile payment services include Swish, WyWallet and SEQR. 4  Examples of payments via intermediary include PayPal, Klarna (payment by invoice) and direct payments that link you up directly with your online bank. 2  BIS central bankers’ speeches  it, broad acceptance of new technology solutions is a very interesting observation to which I will return shortly. The fact that so many people are using cards and other electronic payments is a form of proof that these services are widely available, not just for households but also for retailers and companies. There are more than 20 million cards in Sweden and just over two hundred thousand card terminals. Recently mobile card terminals and opportunities to accept card payments by mobile phone have also arisen. This chart, which shows how often households say they have not been able to pay by card or cash, illustrates the high level of acceptance among payees. A large majority say that they are unable to pay by either card or cash less than once a month. Close to ATMs and good Internet connections Cash should not only be possible to use in shops. Households also need to be able to withdraw cash and the retailer has to be able to deposit his daily takings.
18.05.2022  Welcoming remarks Pathways to Gender Equality in Central Banks Margarita Delgado Deputy Governor  Dear ladies and gentlemen, I feel very honored to participate in the opening of this conference co-organized with the International Economic Association, Banco de la República and Banco de España. The development of initiatives, such as this one that gives visibility to issues related to gender diversity, are key to finding solutions to the waste of talent that involves not taking this diversity into account, consequently putting economic growth at risk and depriving economies of opportunities to develop. Ensuring diversity and, in particular, gender balance, must be a priority in our organizations and, with this commitment, we work at the Banco de España, where we have made significant progress in recent years. By the end of 2021, 51% of our total staff were females, and it is noteworthy that, in one decade (since 2012), that proportion has increased in nearly 10 percentage points. More than 4 years ago, in April 2018, Banco de España joined Bank Al Maghrib, the central bank of Morocco, to organize the first international meeting between international central banks with the aim of studying and fostering female leadership in central banks.