There is very few who still deals with physical cash. Employers has to go through the same procedures, so salaries are almost exclusively paid through the bank.

For stores, most push customers to use personal card bounded to your bank account. The trains/buses uses a personalized travel card, and most has stopped taking physical cash altogether. Supermarket stores and gas stations has their "member" cards, but has also tried to move to smart phone apps (they get positional data on their customer through this method). Everyone else mostly takes both credit card and physical cash, but some towns have tried to move to credit card only.

I think Sweden needs a dose of Ayn Rand then. It's not a great idea to have every single financial transaction be monitored and controlled by the state.