哥本哈根和斯德哥尔摩——瑞典央行一直在担心，如果发生诸如俄罗斯网络攻击导致电力或通信网络瘫痪的紧急情况，无现金消费者将会如何应对。因此，自7月起，瑞典消费者即使在没有网络连接的情况下，也能使用万事达卡和维萨卡购买必需品。瑞典央行（瑞典银行）希望进一步推动离线支付功能，通过Swish——一种绕过万事达卡和维萨卡网络的本地移动支付系统——实现离线交易。
COPENHAGEN and STOCKHOLM—Sweden’s central bank has been worrying about what cashless consumers would do if an emergency such as a Russian cyberattack took down the electrical or communications grid. And so as of July, Swedish consumers can buy essential goods using their Mastercard and Visa cards without a network connection. The central bank (the Riksbank) wants to go further by enabling offline purchases with Swish, a local mobile payments system that bypasses the Visa and Mastercard networks altogether.
“整个地缘政治局势带来的启示是，你需要在运营中保持冗余性，”瑞典央行行长埃里克·泰德恩在接受采访时解释道。
“What this whole geopolitical situation has brought about is that you need to be redundant in your operations,” the governor of Riksbank, Erik Thedéen, explained in an interview.
“如果我们审视我们的支付系统，会发现我们拥有的两张信用卡实际上都来自同一个国家——美国，”他说。“我认为我们应该牢记这一点。”
“If we look on our payment system, it happens to be that we have two credit cards that are from the same country, the U.S.,” he said. “I think we should keep that in mind.”