STATISTICAL DATA ON
THE BANKS’ PAYMENT
SYSTEMS IN FINLAND
2002-2012
17 May 2013
1
STATISTICAL DATA ON THE BANKS’ PAYMENT SYSTEMS AND
DISTRIBUTION NETWORKS IN FINLAND 2002-2012
PAYMENT TRANSMISSION
Giros
1
Payment Transactions in Finnish banks
Cheque and Urgent Giro Payments
2
3
Cheque Payments
Urgent Transfers
Card Payments
4
5
Card Payments
Value of Debit Card Payments
PAYMENT CARDS
6
7
8
9
Cards Distributed via Banks
Number of Cards by Feature
Number of Payment Card Transactions
Value of Payment Card Transactions
BANKS' DISTRIBUTION NETWORK
10
11
12
13
14
15
Number of Online bank Customers and Transactions
Tupas Identification Service and Online Payments
Finvoice Intermediation Service
Number of Banks' ATMs
Number of ATM Transactions
Amount of ATM Withdrawals
2
Federation of Finnish Financial Services
PAYMENT TRANSACTIONS IN FINNISH BANKS
3
Federation of Finnish Financial Services
CHEQUE PAYMENTS
4
Federation of Finnish Financial Services
URGENT TRANSFERS
5
Federation of Finnish Financial Services
CARD PAYMENTS
6
Federation of Finnish Financial Services
VALUE OF BANK CARD- AND DEBIT CARD
PAYMENTS
7
Federation of Finnish Financial Services
GENERAL PURPOSE- AND ATM CARDS
31 DECEMBER 2012
8
Federation of Finnish Financial Services
PAYMENT CARDS* BY FEATURE
9
Federation of Finnish Financial Services
NUMBER OF PAYMENT CARD TRANSACTIONS
10
Federation of Finnish Financial Services
VALUE OF CARD PAYMENTS
11
Federation of Finnish Financial Services
ONLINE BANKING CUSTOMERS AND
TRANSACTIONS
12
Federation of Finnish Financial Services
TUPAS IDENTIFICATIONS AND ONLINE PAYMENTS
13
Federation of Finnish Financial Services
FINVOICE INTERMEDIATION SERVICE
14
Federation of Finnish Financial Services
ATMS AND SELF SERVICE TERMINALS
15
Federation of Finnish Financial Services
ATM TRANSACTIONS
16
Federation of Finnish Financial Services
ATM WITHDRAWALS
17
Federation of Finnish Financial Services
THE FEDERATION OF FINNISH FINANCIAL SERVICES PUBLISHES STATISTICS ON ALL PAYMENT METHODS
USED IN FINNISH PAYMENTS. THE STATISTICS DO NOT INCLUDE CASH PAYMENTS OR INTERNATIONAL
PAYMENTS. AFTER 2008 THE DATA ON CARD TRANSACTIONS HAS BEEN COLLECTED FROM ISSUERS.
Figures1
Credit transfers refer to domestic payments that were in use until late 2011, and in which e.g. the payee’s account number
was in the national format instead of IBAN.
SEPA credit transfers include book transfers and SEPA transfers to other banks.
Direct debiting means the payer has authorised the invoicer to debit a recurring payment from the payer’s account.
Urgent transfers are payments made using banks’ special urgent payments service, and are transmitted between banks
faster than ordinary payments.
Figure 5
Offline debit cards are personal, international payment cards granted by a bank, and are linked to the customer’s bank
account.
Online debit cards are personal, international payment cards granted by a bank, and are linked to the customer’s bank
account. Online debit card transactions are always authorised.
Bank card (domestic debit) is a personal payment card granted by a bank and intended for domestic use. It is linked to the
customer’s bank account.
Figure 6
Combination card carries features from one or several payment cards.
ATM card is issued by a bank for the customer to access his/her account. ATM cards are only intended for domestic use in
ATMs.
Figure 7
Credit card and charge card refer to cards that can be used at points-of-service which accept the card; their line of business
is not restricted.
18
THE FEDERATION OF FINNISH FINANCIAL SERVICES PUBLISHES STATISTICS ON ALL PAYMENT METHODS
USED IN FINNISH PAYMENTS. THE STATISTICS DO NOT INCLUDE CASH PAYMENTS OR INTERNATIONAL
PAYMENTS. AFTER 2008 THE DATA ON CARD TRANSACTIONS HAS BEEN COLLECTED FROM ISSUERS.
Figure 10
Data connection agreements are made between the bank and customer, and pertain to what payment methods and bank’s
online services available to the customer. For consumers these agreements usually concern online banking services. For
retail customers they usually concern data connections.
Online bank transactions are payments made using an online bank. Customers access these services using online bank
identifiers provided by their bank.
Figure 11
Tupas Identification is strong electronic identification by means of online banking identifiers. Tupas identification is used in
other online services than banks’ own services.
Online payments are payments made in online shops without using any payment card. The funds are transferred from the
customer’s account to the online merchant’s account. The customer confirms the click-and-pay transactions using his/her
online banking identifiers in the online shop.
Figure 12
Finvoice forwarding service includes those service providers who have signed the Finvoice forwarding service agreement.
The service providers have agreed to manage the compilation of statistics.
Sender and recipient agreements are service agreements between companies and service providers and pertain to the
sending and reception of Finvoice messages.
Reception notifications (consumers) include notifications of reception of an e-invoice by the consumer for a given reason for
invoicing.
Finvoice messages refer to e-invoices.
19
Figures 13–15
The number of cash dispensing ATMs only includes Otto ATMs maintained by Automatia. There are also other cash
dispensing ATMs in Finland that are not connected to the banks’ ATM network.
Cash dispensing ATMs and payment ATMs are used with cards., Banks’ multi-service terminals (online bank
terminals) are used with online banking identifiers.