Denmark might actually be at the lead of the cashless society movement. Take for example Danske Bank's MobilePay wallet. The mobile payment app has evolved from a pure P2P application to one that is used by more than 2.5 MM users. More recently major retailers in Denmark have deployed a new payment rail that bypasses the traditional card rails with the implementation of Danske Bank MobilePay retail payment box, a smart multimedia device capable of taking digital payments from the mobile app directly into the POS, The terminal works with all smartphones. Retailers like McDonalds, Starbucks, Rema 1000 and over 20,000 locations are already accepting this method of cashless payment. Instead Swish is primarily a P2P app and still there is no POS integration with brick-n-mortar stores in Sweden.