Answer: Sweden
Notes: Sweden has become the world’s first cashless country, replacing physical money with digital payments through phones and cards. Travellers can easily pay anywhere — from shops to northern lights tours — using digital transactions. The transformation began with the launch of Swish, a mobile payment app introduced in 2012. Swish enables real-time money transfers between individuals, businesses, and organizations using just a phone number. Its fast adoption made digital payments common across shops, cafés, museums, and even churches. This shift marks a major milestone in Sweden’s journey toward a fully digital and cash-free economy.
