Challenges for critical infrastructure reslience : cascading effects of payment system disruptions

Critical infrastructures become more and more entangled and rely extensively on information technology. A deeper insight into the relationships between critical infrastructures enables the actors involved to more quickly understand the severity of information technology disruptions and to identify robust cross-functional mitigating actions. This study illustrates how and why disruptions in the payment system in Sweden could create cascading effects in other critical infrastructures with potentially severe consequences for many citizens, government institutions and companies. Data from document studies, interviews and workshops with field experts reveal seven challenges for collective cross-functional critical infrastructure resilience that need to be dealt with: 1) Shortage of food, fuel, cash, medicine; 2) Limited capacity of alternative payment solutions; 3) Cities are more vulnerable than the countryside; 4) Economically vulnerable groups in society are more severely affected; 5) Trust maintenance needs; 6) Crisis communication needs; 7) Fragmentation of responsibility for critical infrastructures across many actors.