The Riksbank said in an annual report on the retail payments system that measures are needed to make payments safer and more accessible.
"Public and private actors must work together to ensure that everyone in society can pay and contribute to the functioning of the payment system in the event of disruptions, in peacetime crisis situations and in states of heightened alert," it said.
"We need legislation to ensure that cash can be used to pay. Banks must also ensure that more customers have access to payment accounts," it said.
(Reporting by Anna Ringstrom, editing by Stine Jacobsen)
