How Nordic shoppers check out and pay

A report on payment preferences, what matters at checkout and how it can make or break the purchase.

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Get the report

Download the full Nordic report (EN) or the Swedish analysis (SE) to get all the insights on what matters at checkout and how it can make or break the purchase.

Download report (EN)

Download report (SE)

About the report

In Kustom’s latest consumer report, developed in collaboration with Ipsos, we asked 1,000 people in each Nordic country how they prefer to shop and pay, especially online.

The results? The checkout isn’t just make-or-break for conversion. It’s also a key driver of repeat purchases.

This report uncovers what Nordic shoppers truly expect in the final step of their journey, and what retailers need to know to meet those expectations. Whether you’re a merchant or just curious about what drives loyalty and results, the insights are here.

A glimpse into the insights

Habits and expectations around paying later

82% say they’re less likely to return to a store if unexpected costs, like invoice fees or interest, are added after the purchase.

Why Nordic shoppers drop off at checkout

Bar chart of why Nordic shoppers drop off at checkout: high shipping cost 65%, price was higher than expected 63%, poor shipping options 47%, I don’t recognize or trust the checkout 46%, long delivery time 41%, my preferred payment method is not available 41%, I need to create an account 33%, no free returns 28%, there are too many checkout steps 23%, I have to fill in a lot of information manually 17%, I need to identify myself with BankID 14%.

Top devices consumers use when shopping online

  • 60% Smartphone
  • 34% Computer
  • 6% Tablet

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