1. Time to change cash to cards? Lars Nyberg, Nordic Card Markets 20 January 2010

2. The value of card transactions passed cash transactions several years ago Card transactions in payment terminals and withdrawals from ATMs, 1998-2008 Source: The Riksbank (The Swedish Financial Market, 2009)

3. Small differences between the Nordic countries Card and cash transactions in commerce in the Nordic countries, 2009 Source: The Swedish Trade Federation, Danmarks Nationalbank, Norges Bank, Bank of Finland

4. Convenience is highly valued Number of individuals choosing a means of payment on the basis of security and convenience, respectively Source: The Riksbank (survey conducted 2009)

5. Cash is king below SEK 100 (EUR 10), cards predominate above SEK 100 Usage of different means of payments for different purchase amounts Source: The Riksbank (survey conducted 2009)

6. Costs and payment habits The economic cut-off point between cash and cards (SEK 70), and the corresponding cut-off point for the average consumer (SEK123) has probably decreased somewhat SEK 123 SEK 70 Source: The Riksbank (cost surveys conducted 2002, 2006)

7. Most issuer-reported Visa card fraud in Sweden is counterfeit fraud Different types of card fraud, whole year 2008 Source: www.visa.se

8. The huge growth of M-PESA Growth of subscribers and agents for the Kenyan mobile payments system M-PESA, April 2007 to July 2009 Source: www.telco2.net