I open up my Swish App (owned/operated by big Swedish banks), enter my friends phone number (either manually or via my contacts) and then enter the amount and a message, totally free and significantly more convenient than cash, which I basically never carry.
I can even pay the kids selling strawberries by the roadside via Swish.
Then again, Sweden is in the forefront of the cashless society at the moment, for better or worse.
Let me expand on that, Swish is currently free for sending a transaction between two persons.
Accepting Swish-payments for merchants, companies, organizations and associations is not free however. The last time I checked (a couple of months back) - Swish was more expensive than handling credit cards in general.
I can even pay the kids selling strawberries by the roadside via Swish.
Then again, Sweden is in the forefront of the cashless society at the moment, for better or worse.