the article isn&#x27;t exaggerating; I take out two hundred kronor (not from an atm, but from the cashier at a supermarket when I pay for my groceries) and then it sits in my wallet &#x27;just in case&#x27; for months.  I carry a 10 Kr coin too, in case I need to use an old public toilet or borrow a shopping trolley.<p>Swish is really taking off too.  Even market stalls take Swish.<p>The part of the story that shows its Americanism though is the intro - churches in Sweden are basically empty :)