I visited Sweden this summer. One or two things accepted only Swish payment. Seems to be impossible for a visitor to use, you need to set it up with your bank.

I managed by asking a friend to use theirs. But don't assume that tech that "makes life easier" automatically means that it's inclusive. (See also parallel discussion today about EU Age Verification app [0]).

[0] https://news.ycombinator.com/item?id=45359074