Statistical data on the banks’ payment systems in Finland 2002-2011 25 April 2012.

Statistical data on the banks’ payment systems in Finland2002-2011

25 April 2012

Federation of Finnish Financial Services

STATISTICAL DATA ON THE BANKS’ PAYMENT SYSTEMS AND DISTRIBUTION NETWORKS IN FINLAND 2002-2011

PAYMENT TRANSMISSION

Giros 1 Credit Transfers and Automation Rate2 Electronic transfers

Cheque and Urgent Giro Payments 3 Cheque Payments4 Urgent Transfers

Card Payments 5 Terminals and Card Payments6 Value of Debit Card Payments

PAYMENT CARDS 7 Cards Distributed via Banks8 Number of Cards by Feature9 Number of Payment Card Transactions10 Value of Payment Card Transactions

BANKS' DISTRIBUTION NETWORK 11 Number of Net Bank Customers and Transactions12 Tupas Identification Service and Online Payments 13 Finvoice Intermediation Service14 Number of Banks' ATMs15 Number of ATM Transactions16 Amount of ATM Withdrawals


Credit Transfers and Automation Rate


Electronic transfers


Cheque Payments


Urgent Transfers


Payment Terminals and Card Payments


Value of Bank Card- and Debit Card Payments


General purpose- and ATM cards distributed via banks


Payment Cards by feature


Number of Payment Card Transactions


Value of Card Payments


Net Bank Customers and Transactions


Tupas Identifications and Online Payments


Finvoice Intermediation Service


ATMs and Self Service Terminals


ATM Transactions


ATM Withdrawals (€ bn)


The Federation of Finnish Financial Services publishes payment statistics on payment traffic in Finland categorised according to payment method. The statistics do not include cash payments or international payments. Since 2008, the collection of card transactions is issuer-based, that is, the data is collected from card issuers.

Figure 1

Paper-based giros include cash payments made at bank offices or payments that are sent to the bank using the payment service and th at a bank employee enters into the bank's systems Card sales slips are used with card transactions processed by a manual imprinter.

EFTPOS transactions are transactions that include all card payment transactions made by payment terminal where the card data is read from the card’s magnetic stripe or chip. Electronic transfers are payments transferred to the bank in electronic format, such as payments made in the Web bank or using banking software or a payment terminal. SEPA-credit transfers include both book transfers and transfers to other banks. Automation rate is the share of payments transmitted to the bank in electronic format of all payment transactions.

Figure 2 Message giros are transfers that include a message entered in the payment data by the payer. Reference giros are transfers that include a reference, given by the invoicer, which is used to identify the payment. Direct debiting is a means of payment whereby the payer has authorized the invoicer to debit a recurrent payment from his or her account. Recurrent payments are payments made on a recurring basis (typically salaries, pensions or benefits) using a specific service provided by banks for this purpose.

Figure 4 Urgent transfers are payments made using a specific service for making urgent payments and they are transmitted between banks faster than ordinary payments.

Figure 5 In this context, payment terminals (EFTPOS) also include all the card readers at the shop. There may be several card readers in one shop.

Figure 6

Pankkikortti (domestic debit) is a payment card individually granted by a bank to one of its customers. It is intended for domestic use an d linked to a bank account. Offline Debit Cards are international payment cards individually granted by a bank to its customers. Offline debit cards are linked to the customer’s bank account.


The Federation of Finnish Financial Services publishes payment statistics on payment traffic in Finland categorised according to payment method. The statistics do not include cash payments or international payments. Since 2008, the collection of card transactions is issuer-based, that is, the data is collected from card issuers.

Figure 7

Online Debit Cards are international payment cards individually granted by a bank to its customers. Offline debit cards are l inked to the customer’s bank account. All payment transactions made using an Online Debit card will always be authorized. A combination card carries features from one or several payment cards. An ATM card is a card issued by a bank to a customer for the purpose of accessing his or her account. It is intended for domestic use and can only be used in Otto ATMs managed by Automatia.

Figures 8–10 A Credit Card or a Charge Card is a card that the cardholder can use at points of sale which accept the card; the line of bus iness of the points of sale is not limited to one specific area. Retail Cards are credit cards that are only accepted at certain points of sale or retail chains.

Figure 11

Data Connection Agreements are agreements made between the bank and the customer concerning how the customer can make pa yments or use other electronic services provided by the bank. As regards consumers, agreements usually concern Web banks; agreements with corpora te customers usually concern data connections. Web bank transactions are payments made using a Web bank. Customers use online identifiers granted by the bank to access the Web bank service.

Figure 12 Tupas identifications are electronic identifications in non-bank online services using Web bank identifiers. Online payments are payment transactions made in online shops without any card, in which funds are transferred from the customer's account into the online shop's account; that is, the customer has paid for the online purchase using the click-and-pay system.

Figure 13

The Finvoice Intermediation Service includes the service providers who have signed the Finvoice intermediation agreement. The compilation of statistics has been agreed on with the service providers. Sender and Recipient Agreements are service agreements between a company and a service provider concerning the sending or reception of Finvoice messages. Receiving-Infomessages (Consumers) include notifications of receipt of an e-invoice by the consumer for a given invoicing issue.

Finvoice messages refer to electronic invoices.

Figures 14–16

The number of cash dispensing ATMs only includes Otto ATMs managed by Automatia. In Finland, there are also other cash dispensing ATMs which are not connected to the banks’ ATM network. Cash dispensing ATMs and giro ATMs are used with cards and the banks’ multi-services terminals with Web bank identifiers.