{"id":5372,"date":"2024-01-04T09:15:00","date_gmt":"2024-01-04T09:15:00","guid":{"rendered":"https:\/\/ecom.nets.eu\/blog\/focus-on-sweden-direct-payments-increase-as-young-people-opt-out-of-credit\/"},"modified":"2024-08-29T14:40:26","modified_gmt":"2024-08-29T14:40:26","slug":"sverige-i-fokus-direktebetalinger-oker-i-takt-med-at-unge-svensker-velger-bort-kredittkort","status":"publish","type":"blog","link":"https:\/\/ecom.nets.eu\/no\/blogg\/sverige-i-fokus-direktebetalinger-oker-i-takt-med-at-unge-svensker-velger-bort-kredittkort\/","title":{"rendered":"Sverige i fokus: Direktebetalinger \u00f8ker i takt med at unge svensker velger bort kredittkort"},"content":{"rendered":"\n<header class=\"navigation \" role=\"navigation\">\n\n  <div class=\"top-bar\" style=\"display: none;\">\n      <div class=\"c\">\n      <div class=\"lang js-lang-trigger\">\n        \n<div\n\t class=\"wpml-ls-statics-shortcode_actions wpml-ls wpml-ls-legacy-dropdown 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it easier to keep track of the money.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n    <span class=\"trigger\">      <a href=\"#\"\n        class=\"ll ll--c\"                 aria-label=\"BUSINESS MANAGEMENT\">        <span class=\"ll ll--c main-link \">BUSINESS MANAGEMENT<\/span>\n              <\/a>\n      <\/span>\n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/dashboard\/\" class=\"ll ll--c\" aria-label=\"Dashboard\">        <span class=\"ll ll--c main-link \">Dashboard<\/span>\n                  <span class=\"excerpt small\">Valuable insights and control over your online business.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n            <\/ul>\n\n                      <\/div>\n        <\/div>\n      <\/div>\n    \n  <\/li>\n\n  <li class=\"parent-menu \">\n\n    <span class=\"trigger\">      <a href=\"#\" class=\"first-child\"\n                 aria-label=\"Why us\">Why us<\/a>\n      <\/span>\n          <div class=\"dropdown\">\n        <div class=\"c\">\n                      <div class=\"dropdown__side-content\">\n              <p class=\"h2\">Why us<\/p>\n              <div class=\"description\">\n                <p>Nets&#8217; online payment solution for e-commerce helps you manage and process customer payments to optimise the shopping experience. For more sales and less abandoned shopping carts!<\/p>\n              <\/div>\n\n              \n<picture class=\"mw\">\n          <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborating-at-Desk.webp\" type=\"\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborating-at-Desk.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborating-at-Desk.webp\" alt=\"collaborating at desk\" width=\"300\" height=\"153\">\n  <\/picture>\n            <\/div>\n          \n          <div class=\"right-menu\">\n            <ul class=\"inner-menu\">\n              \n  <li\n    class=\"\">\n\n    <span class=\"trigger\">      <a href=\"#\"\n        class=\"ll ll--c\"                 aria-label=\"Use Cases\">        <span class=\"ll ll--c main-link \">Use Cases<\/span>\n              <\/a>\n      <\/span>\n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/optimise-sales\/\" class=\"ll ll--c\" aria-label=\"Optimise Sales\">        <span class=\"ll ll--c main-link \">Optimise Sales<\/span>\n                  <span class=\"excerpt small\">How to win at the all-important checkout point.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/expand-abroad\/\" class=\"ll ll--c\" aria-label=\"Expand Abroad\">        <span class=\"ll ll--c main-link \">Expand Abroad<\/span>\n                  <span class=\"excerpt small\">Helping you grow by selling across borders.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/offer-subscriptions\/\" class=\"ll ll--c\" aria-label=\"Subscriptions\">        <span class=\"ll ll--c main-link \">Subscriptions<\/span>\n                  <span class=\"excerpt small\">Keep your customers stuck on you!<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n    <span class=\"trigger\">      <a href=\"#\"\n        class=\"ll ll--c\"                 aria-label=\"Business types\">        <span class=\"ll ll--c main-link \">Business types<\/span>\n              <\/a>\n      <\/span>\n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/retailers\/\" class=\"ll ll--c\" aria-label=\"Retailers\">        <span class=\"ll ll--c main-link \">Retailers<\/span>\n                  <span class=\"excerpt small\">How to succeed when selling goods online.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/services\/\" class=\"ll ll--c\" aria-label=\"Services\">        <span class=\"ll ll--c main-link \">Services<\/span>\n                  <span class=\"excerpt small\">Smart checkout to offer services with flexibility.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/travel-hospitality\/\" class=\"ll ll--c\" aria-label=\"Travel &amp; Hospitality\">        <span class=\"ll ll--c main-link \">Travel &amp; Hospitality<\/span>\n                  <span class=\"excerpt small\">Booking made easy! Reservations and more.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n    <span class=\"trigger\">      <a href=\"#\"\n        class=\"ll ll--c\"                 aria-label=\"About us\">        <span class=\"ll ll--c main-link \">About us<\/span>\n              <\/a>\n      <\/span>\n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/who-we-are\/\" class=\"ll ll--c\" aria-label=\"Who we are\">        <span class=\"ll ll--c main-link \">Who we are<\/span>\n                  <span class=\"excerpt small\">A European payments leader\u2014 with the local touch.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n            <\/ul>\n\n                      <\/div>\n        <\/div>\n      <\/div>\n    \n  <\/li>\n\n  <li class=\"parent-menu \">\n\n    <span class=\"trigger\">      <a href=\"#\" class=\"first-child\"\n                 aria-label=\"Resources\">Resources<\/a>\n      <\/span>\n          <div class=\"dropdown\">\n        <div class=\"c\">\n                      <div class=\"dropdown__side-content\">\n              <p class=\"h2\">Resources<\/p>\n              <div class=\"description\">\n                <p>Your chance to learn about industry trends, consumer behavior, and customer successes!<\/p>\n              <\/div>\n\n              \n<picture class=\"mw\">\n          <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/06\/Man-at-home-office-with-phone.webp\" type=\"\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/06\/Man-at-home-office-with-phone.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/06\/Man-at-home-office-with-phone.webp\" alt=\"man at home office with phone\" width=\"300\" height=\"152\">\n  <\/picture>\n            <\/div>\n          \n          <div class=\"right-menu\">\n            <ul class=\"inner-menu\">\n              \n  <li\n    class=\"\">\n\n    <span class=\"trigger\">      <a href=\"https:\/\/ecom.nets.eu\/knowledge-hub\" class=\"ll ll--c\" aria-label=\"Knowledge hub\">        <span class=\"ll ll--c main-link \">Knowledge hub<\/span>\n              <\/a>\n      <\/span>\n          <ul>\n        \n  <li\n    class=\"hidden\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/knowledge-hub\/\" class=\"ll ll--c\" aria-label=\"Knowledge Hub\">        <span class=\"ll ll--c main-link \">Knowledge Hub<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/blog\/\" class=\"ll ll--c\" aria-label=\"Blogs\">        <span class=\"ll ll--c main-link \">Blogs<\/span>\n                  <span class=\"excerpt small\">The latest in product, industry, and market insight.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/report\/\" class=\"ll ll--c\" aria-label=\"Reports\">        <span class=\"ll ll--c main-link \">Reports<\/span>\n                  <span class=\"excerpt small\">In-depth research on consumer behavior and trends.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/guide\/\" class=\"ll ll--c\" aria-label=\"Guides\">        <span class=\"ll ll--c main-link \">Guides<\/span>\n                  <span class=\"excerpt small\">Find detailed tutorials and expert tips to make the most of our services.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"hidden\">\n\n    <span class=\"trigger\">      <a href=\"#\"\n        class=\"ll ll--c\"                 aria-label=\"Learn More\">        <span class=\"ll ll--c main-link \">Learn More<\/span>\n              <\/a>\n      <\/span>\n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/news\/\" class=\"ll ll--c\" aria-label=\"News\">        <span class=\"ll ll--c main-link \">News<\/span>\n                  <span class=\"excerpt small\">Get the latest industry updates and important announcements to stay informed.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/customer-story\/\" class=\"ll ll--c\" aria-label=\"Customer Stories\">        <span class=\"ll ll--c main-link \">Customer Stories<\/span>\n                  <span class=\"excerpt small\">How other businesses succeed with Nets Easy.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/webinar\/\" class=\"ll ll--c\" aria-label=\"Webinars\">        <span class=\"ll ll--c main-link \">Webinars<\/span>\n                  <span class=\"excerpt small\">Stay current and connected both online and off.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"hidden\">\n\n    <span class=\"trigger\">      <a href=\"#\"\n        class=\"ll ll--c\"                 aria-label=\"See more resources\">        <span class=\"ll ll--c main-link \">See more resources<\/span>\n              <\/a>\n      <\/span>\n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/event\/\" class=\"ll ll--c\" aria-label=\"Events\">        <span class=\"ll ll--c main-link \">Events<\/span>\n                  <span class=\"excerpt small\">Stay current and connected with our online and offline events.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/magazine\" class=\"ll ll--c\" aria-label=\"Magazine\">        <span class=\"ll ll--c main-link \">Magazine<\/span>\n                  <span class=\"excerpt small\">Stay ahead with our innovative payment magazine.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n            <\/ul>\n\n                          <div class=\"topics\">\n                <p>Popul\u00e6re emner<\/p>\n                <ul>\n                                                          <li>\n                      <a href=\"https:\/\/ecom.nets.eu\/topic\/voice-commerce\/\">Voice Commerce<\/a>\n                    <\/li>\n                                                          <li>\n                      <a href=\"https:\/\/ecom.nets.eu\/topic\/payment-methods\/\">Payment Methods<\/a>\n                    <\/li>\n                                  <\/ul>\n              <\/div>\n                      <\/div>\n        <\/div>\n      <\/div>\n    \n  <\/li>\n\n  <li class=\"parent-menu \">\n\n    <span class=\"trigger\">      <a href=\"#\" class=\"first-child\"\n                 aria-label=\"Developers\">Developers<\/a>\n      <\/span>\n          <div class=\"dropdown\">\n        <div class=\"c\">\n                      <div class=\"dropdown__side-content\">\n              <p class=\"h2\">Developers<\/p>\n              <div class=\"description\">\n                <p>Nets&#8217; online payment solution for e-commerce is the quickest way to build conversion optimised checkout. It\u2019s a true Plug-and-Play checkout\u2014 or we have the API.<\/p>\n              <\/div>\n\n              \n<picture class=\"mw\">\n          <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Woman-working-at-desk.webp\" type=\"\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Woman-working-at-desk.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Woman-working-at-desk.webp\" alt=\"woman working at desk\" width=\"300\" height=\"152\">\n  <\/picture>\n            <\/div>\n          \n          <div class=\"right-menu\">\n            <ul class=\"inner-menu\">\n              \n  <li\n    class=\"\">\n\n    <span class=\"trigger\">      <a href=\"#\"\n        class=\"ll ll--c\"                 aria-label=\"ON THE DEVELOPER PORTAL\">        <span class=\"ll ll--c main-link \">ON THE DEVELOPER PORTAL<\/span>\n              <\/a>\n      <\/span>\n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/quickstart\/\" class=\"ll ll--c\" aria-label=\"Quickstart\">        <span class=\"ll ll--c main-link \">Quickstart<\/span>\n                  <span class=\"excerpt small\">APIs + integrations: embedded, hosted, in-app, plug ins.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/developer.nexigroup.com\/nexi-checkout\/en-EU\/docs\/\" class=\"ll ll--c\" aria-label=\"Documentation\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link rotate\">Documentation<\/span>\n                  <span class=\"excerpt small\">A range of integration options supported. Find what works for you.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/developer.nexigroup.com\/nexi-checkout\/en-EU\/api\/\" class=\"ll ll--c\" aria-label=\"API docs\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link rotate\">API docs<\/span>\n                  <span class=\"excerpt small\">Add online payments to your website or application.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/developer.nexigroup.com\/nexi-checkout\/en-EU\/docs\/web-integration\/integrate-checkout-on-your-website-embedded\/\" class=\"ll ll--c\" aria-label=\"Webshop integrations\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link \">Webshop integrations<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n    <span class=\"trigger\">      <a href=\"#\"\n        class=\"ll ll--c\"                 aria-label=\"Developers\">        <span class=\"ll ll--c main-link \">Developers<\/span>\n              <\/a>\n      <\/span>\n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/developer.nexigroup.com\/nexi-checkout\/en-EU\/docs\/web-integration\/integrate-checkout-on-your-website-embedded\/\" class=\"ll ll--c\" aria-label=\"Webshop integrations\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link rotate\">Webshop integrations<\/span>\n                  <span class=\"excerpt small\">Enhance your webshop easily.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n            <\/ul>\n\n                      <\/div>\n        <\/div>\n      <\/div>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/partners\/\" class=\"ll ll--c\" aria-label=\"Partners\">        <span class=\"ll ll--c main-link \">Partners<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    <\/nav>\n              <\/div>\n            <div class=\"nav-bar__right\">\n\n                    <nav class=\"cta-menu\" >\n      <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/contact-sales\/\" class=\"btn btn--primary\" aria-label=\"Contact Sales\">        <span class=\"ll ll--c main-link rotate\">Contact Sales<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/portal.dibspayment.eu\/registration?lang=en\" class=\"btn btn--primary\" aria-label=\"SIGN UP\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link rotate\">SIGN UP<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    <\/nav>\n                  <button type=\"button\" aria-label=\"Menu\" class=\"hamburger js-menu-trigger\" data-cursor=\"hamburger\">\n  <div class=\"hamburger__inner\">\n    <span class=\"line line--1\"><\/span>\n    <span class=\"line line--2\"><\/span>\n    <span class=\"line line--3\"><\/span>\n  <\/div>\n<\/button>\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n\n<div class=\"nav-menu\" style=\"opacity:0;visibility:hidden;\">\n  <div class=\"c\">\n\n        <nav class=\"header-menu\" >\n      <ul>\n        \n  <li class=\"parent-menu \">\n\n          <a href=\"#\" class=\"first-child\"\n                 aria-label=\"Payment solutions\">Payment solutions<\/a>\n      \n          <div class=\"dropdown\">\n        <div class=\"c\">\n                      <div class=\"dropdown__side-content\">\n              <p class=\"h2\">Your complete payments provider<\/p>\n              <div class=\"description\">\n                <p>Nets Easy is a complete payments platform more than just a checkout we help every aspect of your business in managing and processing online customer payments.<\/p>\n              <\/div>\n\n              \n<picture class=\"mw\">\n            <source media=\"(max-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborative-Office-Environment-480x303.webp\" type=\"image\/webp\">\n        <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborative-Office-Environment.webp\" type=\"image\/webp\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborative-Office-Environment.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborative-Office-Environment.webp\" alt=\"collaborative office environment\" width=\"1024\" height=\"647\">\n  <\/picture>\n            <\/div>\n          \n          <div class=\"right-menu\">\n            <ul class=\"inner-menu\">\n              \n  <li\n    class=\"\">\n\n          <a href=\"#\"\n                         aria-label=\"Product\">        <span class=\"ll ll--c main-link \">Product<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/checkout\/\" aria-label=\"Checkout\">        <span class=\"ll ll--c main-link \">Checkout<\/span>\n                  <span class=\"excerpt small\">Easy for the customer, flexible for you.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/payment-methods\/\" aria-label=\"Payment Methods\">        <span class=\"ll ll--c main-link \">Payment Methods<\/span>\n                  <span class=\"excerpt small\">Let your customers pay how they want.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/one-page-shop\/\" aria-label=\"One Page Shop\">        <span class=\"ll ll--c main-link \">One Page Shop<\/span>\n                  <span class=\"excerpt small\">A webshop in minutes\u2014 easy, customizable, responsive.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/subscriptions\/\" aria-label=\"Subscriptions\">        <span class=\"ll ll--c main-link \">Subscriptions<\/span>\n                  <span class=\"excerpt small\">Learn how to offer recurring billing.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/paylink\/\" aria-label=\"Paylink\">        <span class=\"ll ll--c main-link \">Paylink<\/span>\n                  <span class=\"excerpt small\">Clever and instant way to close the deal!<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"#\"\n                         aria-label=\"Integrations\">        <span class=\"ll ll--c main-link \">Integrations<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/webshop-platforms\/\" aria-label=\"Webshop Platforms\">        <span class=\"ll ll--c main-link \">Webshop Platforms<\/span>\n                  <span class=\"excerpt small\">Taking all the hard work out so you focus on sales.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/accounting\/\" aria-label=\"Accounting\">        <span class=\"ll ll--c main-link \">Accounting<\/span>\n                  <span class=\"excerpt small\">Making it easier to keep track of the money.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"#\"\n                         aria-label=\"BUSINESS MANAGEMENT\">        <span class=\"ll ll--c main-link \">BUSINESS MANAGEMENT<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/dashboard\/\" aria-label=\"Dashboard\">        <span class=\"ll ll--c main-link \">Dashboard<\/span>\n                  <span class=\"excerpt small\">Valuable insights and control over your online business.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n            <\/ul>\n\n                      <\/div>\n        <\/div>\n      <\/div>\n    \n  <\/li>\n\n  <li class=\"parent-menu \">\n\n          <a href=\"#\" class=\"first-child\"\n                 aria-label=\"Why us\">Why us<\/a>\n      \n          <div class=\"dropdown\">\n        <div class=\"c\">\n                      <div class=\"dropdown__side-content\">\n              <p class=\"h2\">Why us<\/p>\n              <div class=\"description\">\n                <p>Nets&#8217; online payment solution for e-commerce helps you manage and process customer payments to optimise the shopping experience. For more sales and less abandoned shopping carts!<\/p>\n              <\/div>\n\n              \n<picture class=\"mw\">\n          <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborating-at-Desk.webp\" type=\"\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborating-at-Desk.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Collaborating-at-Desk.webp\" alt=\"collaborating at desk\" width=\"300\" height=\"153\">\n  <\/picture>\n            <\/div>\n          \n          <div class=\"right-menu\">\n            <ul class=\"inner-menu\">\n              \n  <li\n    class=\"\">\n\n          <a href=\"#\"\n                         aria-label=\"Use Cases\">        <span class=\"ll ll--c main-link \">Use Cases<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/optimise-sales\/\" aria-label=\"Optimise Sales\">        <span class=\"ll ll--c main-link \">Optimise Sales<\/span>\n                  <span class=\"excerpt small\">How to win at the all-important checkout point.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/expand-abroad\/\" aria-label=\"Expand Abroad\">        <span class=\"ll ll--c main-link \">Expand Abroad<\/span>\n                  <span class=\"excerpt small\">Helping you grow by selling across borders.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/offer-subscriptions\/\" aria-label=\"Subscriptions\">        <span class=\"ll ll--c main-link \">Subscriptions<\/span>\n                  <span class=\"excerpt small\">Keep your customers stuck on you!<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"#\"\n                         aria-label=\"Business types\">        <span class=\"ll ll--c main-link \">Business types<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/retailers\/\" aria-label=\"Retailers\">        <span class=\"ll ll--c main-link \">Retailers<\/span>\n                  <span class=\"excerpt small\">How to succeed when selling goods online.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/services\/\" aria-label=\"Services\">        <span class=\"ll ll--c main-link \">Services<\/span>\n                  <span class=\"excerpt small\">Smart checkout to offer services with flexibility.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/travel-hospitality\/\" aria-label=\"Travel &amp; Hospitality\">        <span class=\"ll ll--c main-link \">Travel &amp; Hospitality<\/span>\n                  <span class=\"excerpt small\">Booking made easy! Reservations and more.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"#\"\n                         aria-label=\"About us\">        <span class=\"ll ll--c main-link \">About us<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/who-we-are\/\" aria-label=\"Who we are\">        <span class=\"ll ll--c main-link \">Who we are<\/span>\n                  <span class=\"excerpt small\">A European payments leader\u2014 with the local touch.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n            <\/ul>\n\n                      <\/div>\n        <\/div>\n      <\/div>\n    \n  <\/li>\n\n  <li class=\"parent-menu \">\n\n          <a href=\"#\" class=\"first-child\"\n                 aria-label=\"Resources\">Resources<\/a>\n      \n          <div class=\"dropdown\">\n        <div class=\"c\">\n                      <div class=\"dropdown__side-content\">\n              <p class=\"h2\">Resources<\/p>\n              <div class=\"description\">\n                <p>Your chance to learn about industry trends, consumer behavior, and customer successes!<\/p>\n              <\/div>\n\n              \n<picture class=\"mw\">\n          <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/06\/Man-at-home-office-with-phone.webp\" type=\"\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/06\/Man-at-home-office-with-phone.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/06\/Man-at-home-office-with-phone.webp\" alt=\"man at home office with phone\" width=\"300\" height=\"152\">\n  <\/picture>\n            <\/div>\n          \n          <div class=\"right-menu\">\n            <ul class=\"inner-menu\">\n              \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/knowledge-hub\" aria-label=\"Knowledge hub\">        <span class=\"ll ll--c main-link \">Knowledge hub<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"hidden\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/knowledge-hub\/\" aria-label=\"Knowledge Hub\">        <span class=\"ll ll--c main-link \">Knowledge Hub<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/blog\/\" aria-label=\"Blogs\">        <span class=\"ll ll--c main-link \">Blogs<\/span>\n                  <span class=\"excerpt small\">The latest in product, industry, and market insight.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/report\/\" aria-label=\"Reports\">        <span class=\"ll ll--c main-link \">Reports<\/span>\n                  <span class=\"excerpt small\">In-depth research on consumer behavior and trends.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/guide\/\" aria-label=\"Guides\">        <span class=\"ll ll--c main-link \">Guides<\/span>\n                  <span class=\"excerpt small\">Find detailed tutorials and expert tips to make the most of our services.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"hidden\">\n\n          <a href=\"#\"\n                         aria-label=\"Learn More\">        <span class=\"ll ll--c main-link \">Learn More<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/news\/\" aria-label=\"News\">        <span class=\"ll ll--c main-link \">News<\/span>\n                  <span class=\"excerpt small\">Get the latest industry updates and important announcements to stay informed.<\/span>\n              <\/a>\n      \n    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href=\"https:\/\/ecom.nets.eu\/event\/\" aria-label=\"Events\">        <span class=\"ll ll--c main-link \">Events<\/span>\n                  <span class=\"excerpt small\">Stay current and connected with our online and offline events.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/magazine\" aria-label=\"Magazine\">        <span class=\"ll ll--c main-link \">Magazine<\/span>\n                  <span class=\"excerpt small\">Stay ahead with our innovative payment magazine.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n            <\/ul>\n\n                          <div class=\"topics\">\n                <p>Popul\u00e6re emner<\/p>\n                <ul>\n                                                          <li>\n                      <a href=\"https:\/\/ecom.nets.eu\/topic\/voice-commerce\/\">Voice Commerce<\/a>\n                    <\/li>\n                                                          <li>\n                      <a href=\"https:\/\/ecom.nets.eu\/topic\/payment-methods\/\">Payment Methods<\/a>\n                    <\/li>\n                                  <\/ul>\n              <\/div>\n                      <\/div>\n        <\/div>\n      <\/div>\n    \n  <\/li>\n\n  <li class=\"parent-menu \">\n\n          <a href=\"#\" class=\"first-child\"\n                 aria-label=\"Developers\">Developers<\/a>\n      \n          <div class=\"dropdown\">\n        <div class=\"c\">\n                      <div class=\"dropdown__side-content\">\n              <p class=\"h2\">Developers<\/p>\n              <div class=\"description\">\n                <p>Nets&#8217; online payment solution for e-commerce is the quickest way to build conversion optimised checkout. It\u2019s a true Plug-and-Play checkout\u2014 or we have the API.<\/p>\n              <\/div>\n\n              \n<picture class=\"mw\">\n          <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Woman-working-at-desk.webp\" type=\"\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Woman-working-at-desk.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Woman-working-at-desk.webp\" alt=\"woman working at desk\" width=\"300\" height=\"152\">\n  <\/picture>\n            <\/div>\n          \n          <div class=\"right-menu\">\n            <ul class=\"inner-menu\">\n              \n  <li\n    class=\"\">\n\n          <a href=\"#\"\n                         aria-label=\"ON THE DEVELOPER PORTAL\">        <span class=\"ll ll--c main-link \">ON THE DEVELOPER PORTAL<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/quickstart\/\" aria-label=\"Quickstart\">        <span class=\"ll ll--c main-link \">Quickstart<\/span>\n                  <span class=\"excerpt small\">APIs + integrations: embedded, hosted, in-app, plug ins.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/developer.nexigroup.com\/nexi-checkout\/en-EU\/docs\/\" aria-label=\"Documentation\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link rotate\">Documentation<\/span>\n                  <span class=\"excerpt small\">A range of integration options supported. Find what works for you.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/developer.nexigroup.com\/nexi-checkout\/en-EU\/api\/\" aria-label=\"API docs\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link rotate\">API docs<\/span>\n                  <span class=\"excerpt small\">Add online payments to your website or application.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/developer.nexigroup.com\/nexi-checkout\/en-EU\/docs\/web-integration\/integrate-checkout-on-your-website-embedded\/\" aria-label=\"Webshop integrations\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link \">Webshop integrations<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"#\"\n                         aria-label=\"Developers\">        <span class=\"ll ll--c main-link \">Developers<\/span>\n              <\/a>\n      \n          <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/developer.nexigroup.com\/nexi-checkout\/en-EU\/docs\/web-integration\/integrate-checkout-on-your-website-embedded\/\" aria-label=\"Webshop integrations\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link rotate\">Webshop integrations<\/span>\n                  <span class=\"excerpt small\">Enhance your webshop easily.<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    \n  <\/li>\n            <\/ul>\n\n                      <\/div>\n        <\/div>\n      <\/div>\n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/partners\/\" aria-label=\"Partners\">        <span class=\"ll ll--c main-link \">Partners<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    <\/nav>\n  \n    <div class=\"top-bar\" style=\"display: none;\">\n      <div 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0-1.73925-.34608-2.37285-.9745-.63263-.62746-.98105-1.46146-.98105-2.34837v-1.309h.00002Z\"\/>\n  <\/g>\n<\/svg>        <span class=\"ll ll--c main-link rotate\">Log In<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    <\/nav>\n      <\/div>\n  <\/div>\n        <nav class=\"cta-menu\" >\n      <ul>\n        \n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/ecom.nets.eu\/contact-sales\/\" class=\"btn btn--primary\" aria-label=\"Contact Sales\">        <span class=\"ll ll--c main-link rotate\">Contact Sales<\/span>\n              <\/a>\n      \n    \n  <\/li>\n\n  <li\n    class=\"\">\n\n          <a href=\"https:\/\/portal.dibspayment.eu\/registration?lang=en\" class=\"btn btn--primary\" aria-label=\"SIGN UP\" target=\"_blank\" rel=\"noopener\">        <span class=\"ll ll--c main-link rotate\">SIGN UP<\/span>\n              <\/a>\n      \n    \n  <\/li>\n      <\/ul>\n    <\/nav>\n    <\/div>\n<\/div>\n\n\n<\/header>\n\n\n<section class=\"blog-cover\">\n  <div class=\"c\">\n    <div class=\"blog-cover__left\">\n      <div class=\"blog-cover__category\">\n        <svg class=\"icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 18 19\">\n  <g fill=\"#fff\">\n    <path\n      d=\"M15.6207 4.13173c-.2095 0-.3793.16983-.3793.37932V14.9938c0 .3993-.3249.7241-.7242.7241H3.48276c-.3993 0-.72414-.3248-.72414-.7241V3.4076c0-.09508.07734-.17242.17241-.17242H13.4138c.0951 0 .1724.07734.1724.17242v11.0345c0 .2095.1698.3793.3793.3793.2095 0 .3793-.1698.3793-.3793V3.4076c0-.51338-.4176-.93104-.931-.93104H2.93103C2.41766 2.47656 2 2.89422 2 3.4076v11.5862c0 .8176.66516 1.4828 1.48276 1.4828H14.5172c.8176 0 1.4828-.6652 1.4828-1.4828V4.51105c0-.20949-.1698-.37932-.3793-.37932Z\"><\/path>\n    <path\n      d=\"M4.03361 14.2703h8.27589c.2095 0 .3793-.1698.3793-.3793 0-.2095-.1698-.3793-.3793-.3793H4.03361c-.20949 0-.37931.1698-.37931.3793 0 .2095.16982.3793.37931.3793ZM12.3107 11.3037H9.0004c-.20949 0-.37931.1698-.37931.3793 0 .2095.16982.3793.37931.3793h3.3103c.2095 0 .3794-.1698.3794-.3793 0-.2095-.1699-.3793-.3794-.3793ZM12.3107 9.09863H9.0004c-.20949 0-.37931.16982-.37931.37931 0 .20949.16982.37931.37931.37931h3.3103c.2095 0 .3794-.16982.3794-.37931 0-.20949-.1699-.37931-.3794-.37931ZM12.3107 6.89062H9.0004c-.20949 0-.37931.16983-.37931.37932 0 .20949.16982.37931.37931.37931h3.3103c.2095 0 .3794-.16982.3794-.37931 0-.20949-.1699-.37932-.3794-.37932ZM12.3095 4.68457H4.03361c-.20949 0-.37931.16982-.37931.37931 0 .20949.16982.37931.37931.37931h8.27589c.2095 0 .3793-.16982.3793-.37931 0-.20949-.1698-.37931-.3793-.37931ZM4.03361 12.063h3.31034c.20949 0 .37931-.1698.37931-.3793V7.26994c0-.20949-.16982-.37932-.37931-.37932H4.03361c-.20949 0-.37931.16983-.37931.37932v4.41376c0 .2095.16982.3793.37931.3793Zm.37931-4.41375h2.55172v3.65515H4.41292V7.64925Z\"><\/path>\n  <\/g>\n<\/svg>        <span>Blogger<\/span>\n      <\/div>\n      <h1>Sverige i fokus: Direktebetalinger \u00f8ker i takt med at unge svensker velger bort kredittkort<\/h1>\n      <span class=\"reading-time\"><svg class=\"icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"21\" height=\"21\" viewBox=\"0 0 21 21\" fill=\"none\">\n  <path d=\"M10.5 4C6.925 4 4 6.925 4 10.5C4 14.075 6.925 17 10.5 17C14.075 17 17 14.075 17 10.5C17 6.925 14.075 4 10.5 4ZM10.5 15.7C7.6335 15.7 5.3 13.3665 5.3 10.5C5.3 7.6335 7.6335 5.3 10.5 5.3C13.3665 5.3 15.7 7.6335 15.7 10.5C15.7 13.3665 13.3665 15.7 10.5 15.7ZM10.825 7.25H9.85V11.15L13.23 13.23L13.75 12.385L10.825 10.63V7.25Z\" fill=\"#212861\"><\/path>\n<\/svg>8 min.    |  publisert p\u00e5 04.01.2024<\/span>\n    <\/div>\n\n    \n<picture class=\"mw\">\n            <source media=\"(max-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/01\/Focus-on-Sweden_-Direct-payments-increase-as-young-people-opt-out-of-credit-Square-format-480x480.jpg\" type=\"image\/jpeg\">\n        <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/01\/Focus-on-Sweden_-Direct-payments-increase-as-young-people-opt-out-of-credit-Square-format.jpg\" type=\"image\/jpeg\">\n  \n      <img fetchpriority=\"high\" decoding=\"async\" loading=\"eager\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/01\/Focus-on-Sweden_-Direct-payments-increase-as-young-people-opt-out-of-credit-Square-format.jpg\" alt=\"focus on sweden_ direct payments increase as young people opt out of credit &#8211; square format\" width=\"1120\" height=\"1120\">\n  <\/picture>\n  <\/div>\n<\/section>\n\n\n<section class=\"text\">\n  <div class=\"c text-content \">\n    \n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"den-som-er-satt-i-gjeld\">Den som er satt i gjeld \u2026<\/h2>\n\n\n\n<p>Kredittkortbetalinger har historisk sett ikke v\u00e6rt spesielt popul\u00e6re i Sverige. Selv om 49 prosent av svenskene har tilgang til et kredittkort, er det tydelig at dette ikke er f\u00f8rstevalget verken ved betaling p\u00e5 nettet eller i fysiske butikker. I en rapport fra Sveriges Riksbank om svenskenes betalingsvaner i 2022 kommer det frem at bare 17 prosent har kredittkort som en av sine foretrukne betalingsmetoder n\u00e5r de handler p\u00e5 nettet.<\/p>\n\n\n\n<p>N\u00e5r det gjelder forholdet ungdom har til kredittkort, er lesningen spesielt interessant. I aldersgruppen 18\u201324 \u00e5r har bare 13 prosent tilgang til et kredittkort, mens tallet er 97 prosent for debetkort (vanlig bankkort). Noe av grunnen til dette er sannsynligvis at det er vanskeligere for yngre mennesker \u00e5 best\u00e5 kredittsjekkene knyttet til kortene, men uansett hva \u00e5rsaken m\u00e5tte v\u00e6re, ser vi at unge mennesker har en tendens til \u00e5 stole mye mindre p\u00e5 kredittalternativer og mer p\u00e5 direktebetalinger.<\/p>\n\n\n\n<p>Vi ser den samme tendensen n\u00e5r det gjelder andre typer kredittl\u00f8sninger, for eksempel fakturabetaling. Det er i hovedsak personer i m\u00e5lgruppen 65\u201384 \u00e5r som foretrekker \u00e5 betale med faktura. Her oppgir 65 prosent faktura som en av sine foretrukne betalingsmetoder ved kj\u00f8p p\u00e5 nettet. I den yngre m\u00e5lgruppen er det tilsvarende tallet bare 31 prosent. Unge foretrekker heller \u00e5 betale med debetkort (67 prosent) og direktebetaling med Swish (39 prosent) eller andre apper.<\/p>\n\n\n\n<div class=\"media\">\n      \n<picture class=\"mw\">\n            <source media=\"(max-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/3910048-1024x682-1-480x320.webp\" type=\"image\/webp\">\n        <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/3910048-1024x682-1.webp\" type=\"image\/webp\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/3910048-1024x682-1.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/3910048-1024x682-1.webp\" alt=\"3910048 1024&#215;682\" width=\"1024\" height=\"682\">\n  <\/picture>\n\n  <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"nye-betalingsmetoder-oker-i-popularitet\">Nye betalingsmetoder \u00f8ker i popularitet<\/h2>\n\n\n\n<p>Svenske forbrukere har bestandig v\u00e6rt raskt ute med \u00e5 ta i bruk tekniske l\u00f8sninger som forenkler hverdagen og eliminerer un\u00f8dvendige trinn. Det er flere grunner til dette: Svenskene har et h\u00f8yt utdanningsniv\u00e5, god teknisk forst\u00e5else, h\u00f8y tillit til myndigheter og sosial infrastruktur samt en lang historie med teknologisk innovasjon p\u00e5 arbeidsplassen.<\/p>\n\n\n\n<p>Ingen sier nei til l\u00f8sninger som bidrar til \u00e5 \u00f8ke effektiviteten.&nbsp;Da Nets unders\u00f8kte hva forbrukerne er mest opptatt av n\u00e5r skal velge betalingsmetode, var det ikke overraskende at sikkerhet, enkelhet og hastighet pekte seg ut som det klart viktigste. Muligheten til delbetaling, etterfakturering og bonuspoeng var vesentlig mindre viktig.<\/p>\n\n\n\n<p>Du kan lese mer om dette i <a href=\"https:\/\/ecom.nets.eu\/report\/ecommerce-report-sweden-2022\/\">e-handelsrapporten for Sverige 2022<\/a>. &nbsp;Nye betalingsmetoder blir ofte mer popul\u00e6re nettopp fordi de forenkler kj\u00f8p. Direktebetaling med mobilen via Swish er blant svenskenes favoritter, men ogs\u00e5 fakturabetaling \u2013 hvor det ofte ikke er kreditten i seg selv som er det mest attraktive, men en rask og smidig utsjekk.<\/p>\n\n\n\n<p><em>En annen ny betalingsmetode i vekst er direkte bankoverf\u00f8ringer, som til n\u00e5 er blitt benyttet av 31 prosent av svenske forbrukere.<\/em><\/p>\n\n\n\n<p>Trustly tilbyr direkteoverf\u00f8ringer fra kundens bankkonto til forhandlerens konto (ogs\u00e5 kalt account-to-account), en svenskutviklet teknologi som n\u00e5 er forankret i EUs regelverk, blant annet i form av PSD2-direktivet.&nbsp;Dette er en fleksibel betalingsl\u00f8sning der kundene ikke trenger \u00e5 taste inn sifrene som st\u00e5r p\u00e5 betalingskortet, registrere nye kontoer eller h\u00e5ndtere forfalte fakturaer. Kunden godkjenner ganske enkelt kj\u00f8pet ved hjelp av BankID, s\u00e5kalt Strong Customer Authentication, direkte i checkout-l\u00f8sningen til nettbutikken din. Hele prosessen er unnagjort p\u00e5 dr\u00f8yt ti sekunder. Pengene overf\u00f8res direkte over hele Europa \u2013 uten mellomledd, risiko eller un\u00f8dvendige kostnader.<\/p>\n\n\n\n<div class=\"media\">\n      \n<picture class=\"mw\">\n            <source media=\"(max-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/de-1024x682-1-480x320.webp\" type=\"image\/webp\">\n        <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/de-1024x682-1.webp\" type=\"image\/webp\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/de-1024x682-1.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/de-1024x682-1.webp\" alt=\"de 1024&#215;682\" width=\"1024\" height=\"682\">\n  <\/picture>\n\n  <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"hvor-mange-betalingsmetoder-bor-nettforhandlere-tilby\">Hvor mange betalingsmetoder b\u00f8r nettforhandlere tilby?<\/h2>\n\n\n\n<p>Nets' betalingsl\u00f8sning har som m\u00e5l \u00e5 tilby den h\u00f8yeste konverteringsraten og gi nettforhandlere enkel tilgang til alle de mest popul\u00e6re betalingsmetodene. Men l\u00f8nner det seg \u00e5 aktivere alle disse og la kunden velge, eller er det best \u00e5 konsentrere seg om noen f\u00e5 utvalgte betalingsmetoder? Dessverre finnes det ikke noe helt \u00e5penbart svar p\u00e5 dette sp\u00f8rsm\u00e5let, s\u00e5 det er sannsynligvis noe som hver enkelt forhandler m\u00e5 eksperimentere med basert p\u00e5 kundenes handleadferd og -vaner.<\/p>\n\n\n\n<p>Unders\u00f8kelser tyder p\u00e5 at 9 prosent av kundene risikerer \u00e5 avbryte et kj\u00f8p hvis deres foretrukne betalingsmetode ikke er tilgjengelig**. Med dette i bakhodet kan det v\u00e6re en fordel \u00e5 tilby litt flere alternativer og la kunden velge \u2013 spesielt for forhandlere som driver virksomhet i flere ulike markeder. Betalingspreferanser kan variere mye mellom ulike land, der noen sverger til kredittbetalinger, mens andre har lokale l\u00f8sninger for direktebetaling, som Swish i Sverige. De \u00f8kte valgmulighetene m\u00e5 imidlertid ikke f\u00f8re til at hele checkout-flyten f\u00f8les komplisert eller uh\u00e5ndterlig.<\/p>\n\n\n\n<p>Hvis du har flere betalingsmetoder enn det som f\u00e5r plass \u00abover bretten\u00bb (den delen av nettsiden som brukeren kan se), er det sannsynligvis rom for \u00e5 forenkle. Internasjonalt er det vanlig \u00e5 ha fra tre til fem betalingsmetoder i checkouten, for eksempel:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kortbetaling (hovedsakelig debet)<\/li>\n\n\n\n<li>direktebetaling<\/li>\n\n\n\n<li>fakturabetaling<\/li>\n\n\n\n<li>mobilbetaling (Swish i Sverige og Vipps i Norge)<\/li>\n<\/ul>\n\n\n\n<div class=\"media\">\n      \n<picture class=\"mw\">\n            <source media=\"(max-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/No-1024x682-1-480x320.webp\" type=\"image\/webp\">\n        <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/No-1024x682-1.webp\" type=\"image\/webp\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/No-1024x682-1.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/No-1024x682-1.webp\" alt=\"no 1024&#215;682\" width=\"1024\" height=\"682\">\n  <\/picture>\n\n  <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"kan-man-styre-kundens-valg\">Kan man styre kundens valg?<\/h2>\n\n\n\n<p>Selv om kunden \u00aballtid har rett\u00bb, er det ogs\u00e5 viktig \u00e5 ta stilling til hvilke alternativer som gir deg som forhandler de beste forutsetningene og betingelsene for \u00e5 lykkes. Vi befinner oss som sagt i en tid der kundenes adferd er i rask endring, hvor spesielt den yngre generasjonen er veldig \u00e5pne for nye betalingsmetoder, mens klassiske alternativer som kortbetaling fremdeles st\u00e5r sterkt blant eldre.&nbsp;V\u00e6r heller ikke redd for \u00e5 ta stilling til behovene bedriften din har.<\/p>\n\n\n\n<p>Marginene i e-handelen kan ofte v\u00e6re sm\u00e5, s\u00e5 det \u00e5 redusere kostnader knyttet til betalinger eller redusere risikoen for kostbare chargebacks eller returer kan v\u00e6re sv\u00e6rt verdifullt. Det er nettopp her direktebetalinger har sine fordeler, med f\u00e6rre mellommenn (som navnet antyder) og h\u00f8yere sikkerhet gjennom BankID \u2013 som igjen reduserer risikoen for svindel og chargebacks.<\/p>\n\n\n\n<p>Er det egentlig mulig \u00e5 p\u00e5virke kundenes adferd? Ja! Se bare p\u00e5 hvordan kontantbetaling gradvis har blitt faset ut av den fysiske handelen og n\u00e5 knapt aksepteres lenger. Dette er en endring som i stor grad har v\u00e6rt drevet av butikkenes h\u00f8ye kostnader knyttet til kontanth\u00e5ndtering.<\/p>\n\n\n\n<p><strong>Tre m\u00e5ter \u00e5 p\u00e5virke kundenes adferd p\u00e5<\/strong><\/p>\n\n\n\n<p>Som nettforhandler er det enkelte ting du kan gj\u00f8re for \u00e5 p\u00e5virke kundeadferden i kassen:<\/p>\n\n\n\n<p><strong>1 \u2013 Avgrens: <\/strong>Det mest \u00e5penbare og drastiske skrittet er rett og slett \u00e5 ikke tilby de mest kostbare betalingsmetodene. Ulempen er naturligvis at du risikerer \u00e5 miste kunder som blir usikre (se ovenfor), men kanskje f\u00e6rre og mer l\u00f8nnsomme kunder kan v\u00e6re en fornuftig balanse for deg og nettbutikken din?<\/p>\n\n\n\n<p><strong>2 \u2013 Eksperimenter med rekkef\u00f8lge, st\u00f8rrelse og farge: <\/strong>Det er knapt noen nyhet at nettbrukernes oppmerksomhet f\u00f8rst og fremst rettes mot toppvalgene i en liste. Ofte tolkes dette som et signal om hva andre vanligvis velger, noe som har en veldig sterk innflytelse p\u00e5 kj\u00f8psatferden v\u00e5r i nettbutikker. Selv rent estetiske grep, for eksempel bruk av signalfarger eller ulike skriftst\u00f8rrelser, kan f\u00e5 et spesifikt alternativ til \u00e5 skille seg ut og fremst\u00e5 som det opplagte valget. Som vi var inne p\u00e5 tidligere, er sikkerhet noe av det kundene vektlegger mest n\u00e5r de skal velge mellom ulike betalingsmetoder. I denne sammenhengen er det veldig viktig hvilke signaler nettbutikken din gir. Det som oppfattes som et gjennomtestet standardvalg, f\u00f8les ogs\u00e5 mye tryggere. \u00abHvis det fungerer for andre, fungerer det for meg.\u00bb Dette er akkurat det samme instinktet som gj\u00f8r at vi \u00f8nsker \u00e5 kj\u00f8pe ting som ligger p\u00e5 topplister eller har f\u00e5tt gode kundeanmeldelser.<\/p>\n\n\n\n<p><strong>3 \u2013 Gi rabatter: <\/strong>For dem med spesielt h\u00f8ye ordreverdier kan det av og til v\u00e6re s\u00e5 l\u00f8nnsomt med direktebetaling \u2013 som ofte kommer til en fast pris i stedet for som en prosentandel av kj\u00f8pesummen \u2013 at du kan tilby kunden rabatt for \u00e5 velge disse alternativene. Denne strategien har v\u00e6rt mye brukt av flyselskaper og reisebyr\u00e5er, der transaksjonsverdien ofte overstiger 10 000 kroner, slik at det er mulig \u00e5 tilby kunden 50\u2013100 kroner i rabatt. For dem med lavere ordreverdier er rabatter p\u00e5 5\u201310 kroner sannsynligvis ikke nok til \u00e5 p\u00e5virke kundeadferden.&nbsp;Har du lojale kunder som stadig vender tilbake, kan en slik rabatt ogs\u00e5 gj\u00f8res om til et kampanjetilbud som fases ut over tid n\u00e5r kundene har pr\u00f8vd det ut og tillagt seg nye vaner. Deretter kan du \u00f8ke bel\u00f8pet litt med h\u00e5p om \u00e5 skape en varig adferdsendring.<\/p>\n\n\n\n<p>--<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>*Riksbanken \u2013 <a href=\"https:\/\/www.riksbank.se\/sv\/statistik\/statistik-over-betalningar-sedlar-och-mynt\/betalningsvanor\/\" target=\"_blank\" rel=\"noopener\">Svenska folkets betalningsvanor 2022<\/a> (SIFO Kantar)<\/li>\n\n\n\n<li>**Baymard Institute \u2013 <a href=\"https:\/\/baymard.com\/lists\/cart-abandonment-rate\" target=\"_blank\" rel=\"noopener\">Checkout abandonment study<\/a><\/li>\n\n\n\n<li>***NETS \u2013 <a href=\"https:\/\/ecom.nets.eu\/report\/sv\/sverige-e-handelsrapport-2022\/\">E-handelsrapport Sverige 2022<\/a><\/li>\n\n\n\n<li>***Trustly \u2013 Payments<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"laer-mer-webinar-19-januar-kl-9-00\">L\u00e6r mer: Webinar 19. januar kl. 9:00<\/h2>\n\n\n\n<p><strong>Mer mulighet til \u00e5 l\u00e6re<\/strong><\/p>\n\n\n\n<p>Betalingspioneren Trustly har tatt et dypdykk i forbrukernes tanker om betaling i Sverige og andre deler av Europa. Hva avgj\u00f8r deres valg av betalingsm\u00e5te? Er det hastighet, sikkerhet, eller kanskje noe helt annet? Oppdag hvordan Trustly har oversatt denne innsikten til utviklingen av deres innovative betalingsl\u00f8sning og se erfaringene deres fra kassetester i den virkelige verden.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/ecom.nets.eu\/sv\/webinars-events\/sa-kan-direktbetalningar-oka-din-konvertering-trustly\/\">Bli med p\u00e5 webinaret 19. januar kl. 09.00<\/a><\/strong> hvor Jacob Hager og hans Trustly-kollega Markus Nilsson vil dele mer innsikt (spr\u00e5k svensk.)<\/p>\n\n\n\n<section class=\"contributor\">\n  <div class=\"c\">\n    <div class=\"header\">\n      <svg class=\"icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\">\n  <path d=\"M12.6473 11.0758C12.6481 11.0751 12.6489 11.0743 12.6498 11.0735C12.6522 11.0714 12.6546 11.0692 12.6569 11.067C12.6592 11.0649 12.6614 11.0628 12.6636 11.0607C12.6645 11.0599 12.6654 11.0591 12.6662 11.0582C12.6662 11.0582 12.6663 11.0582 12.6662 11.0582L13.6681 10.0563C13.8044 9.92002 13.8044 9.6991 13.6681 9.56281C13.5319 9.42654 13.3109 9.42654 13.1747 9.56281L12.4195 10.318L11.1185 9.017L14.2139 5.92156L15.5149 7.22255L14.9691 7.76834C14.8328 7.90461 14.8328 8.12555 14.9691 8.26182C15.1054 8.39811 15.3263 8.39809 15.4626 8.26182L16.2551 7.4693C16.3914 7.33303 16.3914 7.11209 16.2551 6.97582L16.143 6.86366L16.973 6.03368C17.0384 5.96824 17.0752 5.8795 17.0752 5.78695C17.0752 5.69442 17.0384 5.60566 16.973 5.54022L15.8963 4.46353C15.76 4.32726 15.539 4.32726 15.4028 4.46353L14.5728 5.29351L14.4606 5.18135C14.3244 5.04508 14.1034 5.04506 13.9672 5.18135L13.473 5.67552C12.7448 5.17923 11.7415 5.2537 11.096 5.89911C11.0909 5.90428 11.086 5.90961 11.0812 5.91501C11.0758 5.9198 11.0704 5.92471 11.0653 5.9299L8.41493 8.58024C8.27866 8.71651 8.27866 8.93745 8.41493 9.07372C8.48307 9.14187 8.57236 9.17593 8.66165 9.17593C8.75097 9.17593 8.84026 9.14187 8.9084 9.07372L11.5588 6.42338C11.5639 6.41821 11.5688 6.41288 11.5736 6.40748C11.579 6.40271 11.5844 6.39778 11.5895 6.39259C11.9613 6.02085 12.5224 5.95109 12.9652 6.1833L10.3783 8.77025C10.3775 8.77109 10.3767 8.77195 10.3759 8.77279C10.3737 8.77504 10.3715 8.77735 10.3693 8.77968C10.3672 8.78195 10.3651 8.78426 10.3631 8.78659C10.3623 8.78749 10.3614 8.78833 10.3607 8.78924L5.90135 13.965L4.83392 15.0324C4.7956 15.0707 4.76674 15.1174 4.74961 15.1688L4.21127 16.7838C4.16948 16.9092 4.20212 17.0474 4.29559 17.1409C4.36209 17.2074 4.45126 17.2431 4.54236 17.2431C4.57928 17.2431 4.61651 17.2373 4.65267 17.2252L6.2677 16.6869C6.31908 16.6697 6.36577 16.6409 6.40407 16.6026L7.47158 15.5351L12.6473 11.0758ZM15.6495 5.20376L16.2327 5.78695L15.6495 6.3702L15.0663 5.78699L15.6495 5.20376ZM10.6441 9.52949L11.907 10.7924L7.25169 14.8033L6.63316 14.1848L10.6441 9.52949ZM5.96885 16.0508L5.09403 16.3425L5.38563 15.4677L6.15734 14.6959L6.74055 15.2791L5.96885 16.0508Z\" fill=\"#212861\"><\/path>\n<\/svg>      <span>Forfatter<\/span>\n    <\/div>\n    <div class=\"contributor__content\">\n      \n<picture class=\"mw\">\n            <source media=\"(max-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Jacob-Hager-2-1-1024x819-1-480x384.webp\" type=\"image\/webp\">\n        <source media=\"(min-width: 479px)\" srcset=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Jacob-Hager-2-1-1024x819-1.webp\" type=\"image\/webp\">\n  \n      <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Jacob-Hager-2-1-1024x819-1.webp\" data-src=\"https:\/\/ecom.nets.eu\/wp-content\/uploads\/2024\/05\/Jacob-Hager-2-1-1024x819-1.webp\" alt=\"jacob hager 2 1 1024&#215;819\" width=\"1024\" height=\"819\">\n  <\/picture>\n\n      <div class=\"more-information\">\n        <h3>Jacob Hager <br>Director Growth & Insight, Trustly<\/h3>\n          <span class=\"about\">Jacob har jobbet med forbruksvarer, teknologi og e-handel i 15 \u00e5r i Europa, Asia og USA. I dag f\u00f8rer han tilsyn med markedsinnsikt, analyser og shopper-unders\u00f8kelser for den svenske Open Banking-pioneren Trustly.<\/span>\n          <button class=\"read-more ll ll--g\" onclick=\"expand()\">Les mer<\/button>\n              <\/div>\n    <\/div>\n  <\/div>\n\n  <script>\n    function expand() {\n      var aboutText = document.querySelector('.about');\n      aboutText.classList.toggle('expanded');\n    }\n  <\/script>\n<\/section><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"aside\">\n  <ul class=\"aside__items-wrapper\">\n                  <li class=\"item\">\n          <span class=\"pre-header\">EMNER<\/span>\n          <div class=\"tags-container\">\n            <ul class=\"tags\">\n                              <li>\n                  <a href=\"https:\/\/ecom.nets.eu\/no\/topic\/betalingsmetoder\/\">\n                    Betalingsmetoder                  <\/a>\n                <\/li>\n                    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Visst har 49 % av svenskene tilgang til kredittkort, men det er ikke f\u00f8rstevalget verken online eller offline.","protected":false},"featured_media":5787,"template":"","categories":[55],"tags":[117,143],"class_list":["post-5372","blog","type-blog","status-publish","has-post-thumbnail","hentry","category-blogger","tag-betalingsmetoder","tag-kunnskap-om-norden"],"acf":[],"_links":{"self":[{"href":"https:\/\/ecom.nets.eu\/no\/wp-json\/wp\/v2\/blog\/5372","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ecom.nets.eu\/no\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/ecom.nets.eu\/no\/wp-json\/wp\/v2\/types\/blog"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ecom.nets.eu\/no\/wp-json\/wp\/v2\/media\/5787"}],"wp:attachment":[{"href":"https:\/\/ecom.nets.eu\/no\/wp-json\/wp\/v2\/media?parent=5372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ecom.nets.eu\/no\/wp-json\/wp\/v2\/categories?post=5372"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ecom.nets.eu\/no\/wp-json\/wp\/v2\/tags?post=5372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}