utility bills and other regular stuff like that can be delivered electronically to your bank account in Sweden, such that you just log in and approve them. domestic online purchases are commonly paid by card, by a direct bank transfer that's done integrated as part of the checkout, or through Klarna where your just approve the purchase and then sort it out with them afterwards.

Nice!

No (well, not quite), for online purchases in web shops I either just use my card or I use "bank direct payment" which goes via the same authorization (BankID smartphone app) used for both the direct to phone-number payments (Swish) and for online banking in most/all banks and other major companies and authorities.

I don't get paper bills for services such as phone/power/water/insurance/tv, they are delivered to my bank electronically and either paid automatically or I log in (BankID smartphone app) and confirm the payments.

So the transfer system isn't used for bills, but the same authorization system is used for bills/banking and direct transfer.

Thanks!