Swish is very popular in Sweden and has no fees(for individuals)

https://en.wikipedia.org/wiki/Swish_(payment)

Noone uses cash in Sweden, except for maybe drug dealers and super old people(and the occasional tourist). Most businesses dont even accept cash anymore.

It isnt just the convenience of not having to carry cash, it is also much safer. Much lower risk of getting robbed, for both individuals and businesses.