"Less cash but not cashless" is the motto of those northern european countries.

Both the UK and the Netherlands for instance have issue reports[1][2] to ensure cash does not go away as it serves a vital purpose for protected classes.

[1] https://www.accesstocash.org.uk/media/1087/final-report-fina... - from the UK report "17% of the population would struggle in a cashless society"

[2]https://www.dnb.nl/en/binaries/DNB%20Payments%20Strategy%202... - from the DNB report "While we support the retailers’ and banks’ wish to encourage electronic payments, we do not seek to achieve a cashless society..."

I'm talking Sweden where it is next to impossible to pay with cash in most places. And impossible to find an ATM.