Let's recall this post about online banking authorization – Authorization in Swedbank and other online banks
They improved the situation beyond imagination: Swedbank rolled out the Estonian mobile authenticator SmartID, which suits me perfectly (it could be a tad faster, I suppose, but now I'm just nitpicking).
To anyone making payments via Swedbank (especially on mobile), I highly recommend installing it right away — to me personally, it feels an order of magnitude more convenient than a code card.
Only one gripe remains — the payment search could pay a bit more attention to detail. For instance, accounting for the fact that I might not know whether someone's name is spelled with a macron or not. Or, when searching to send money, finding not just those I've already sent money to, but also those who have sent it to me.