Advocates of a cashless payments system need to learn some lessons from the Swedish experience, where cash is disappearing more quickly than in any other country.Lance Blockley, managing director of consultancy the Initiatives Group, said there were unresolved issues coming out of Sweden's cashless experience.Blockley said: "There are problems with cashless. ATMs are disappearing. This is not much of a problem in the cities, where cashless payments are well established but it is a problem in rural areas, where people still rely on cash. It is also a problem in migrant communities."Speaking at a meeting of the Emerging Payments Association Asia, Blockley said: "The challenge is not to leave people behind."Blockley led a study tour to Sweden earlier this year for EPA Asia to look at the development of the country's cashless payments system."When we spoke to people in the payments industry, one comment we heard a lot was that they would have liked more central planning for the change," he said.The Emerging Payments Association was launched in the United Kingdom in 2004. It was launched in Asia a year ago.Blockley said: "The current situation in Sweden is that a merchant does not have to accept cash as long as it gives notice to customers. It is hard to use cash there."This has been done without central planning. It has been consumer-led, enabled by technology."The catalyst for change was the 2012 launch of Swish, a mobile payment app enabling peer to peer payments. It allowed payments to be paid to anyone in real time.Since then it has moved into e-commerce and more recently point of sale.Lockley said: "Buskers display their Swish QR codes for payments.,"The mobile number is the alias for most payments. In a population of 10 million, 6.8 million Swedes use Swish.Blockley said that more recently, there has been growth in the number of in-app only payments, for services such as public transport.