There will always be other solutions at hand, these guys are doing something about it: https://www.revolut.com

Same as swish but no need for Swedish banks nor BankID.

I use Swish extensively because it works for giving kids cash remote and at the same time buying a car. If I would stumple on someone who is unable to use it it would be troublesome, but I think most swedes would break their neck to solve it anyhow in that case. If they know they have the possibility.

Bank transactions between countries have always been a burden, I so hope that we will see big change in the near future.