Other publications may include books, quarterly reviews, annual reports and economic bulletins from the ECB, PhD theses and Danmarks Nationalbank’s policies.


Initial experience with instant payments

In November 2014, it became possible for citizens and firms in Denmark to make instant payments. They can be made through online banking, mobile banking, Swipp or MobilePay. The daily number of instant payments averages 130,000. A considerable part of the use can be attributed to MobilePay and Swipp payments, which are all made as instant payments. Instant payments were facilitated in a joint effort by the Danish financial sector and Danmarks Nationalbank as part of the final phase of the large-scale modernisation of the Danish payments infrastructure. The article describes the initial experience with the use of instant payments and outlines the system behind instant payments, including how their finality is ensured.