Comment by DanielHB

I wouldn't say Swish is the default in Sweden because it doesn't support contactless payments. It is widely available though but many, many places only accept card/contactless payments. Of course, Swish is the default for person-to-person transfers, but not for payments.

Opposite is also true, some lower-value places (like fruitstands, street vendors) don't accept card/contactless because they don't want to pay visa mastercard fee.

I have no numbers but I would guess at least 50% of non-cash transactions are still card/contactless. I wouldn't be surprised if this number is 90%.