This is my experience in Sweden as well. The only people I've heard complaining about the move away from cash are older generations (65+) — everyone else loves it. The e-krona initiative could solve the problem of allowing a cashless system while still giving control to the Riksbank [1].
[1] https://www.riksbank.se/en-gb/financial-stability/the-financ...
Sounds cool.
I have seen the software that the public sector buys and builds. It would seam like they go out of their way to get the worst software they could get.
I have zero confidence in the public sectors capability of creating good technology.
As a swede i see no indication of it at all. It i more like the exact opposite, most people seam to hate cash and take every opportunity to move away from it.