Statistical data on the banks’ payment
systems in Finland
2001-2010
1 April 2011
STATISTICAL DATA ON THE BANKS’ PAYMENT
SYSTEMS AND DISTRIBUTION NETWORKS IN
FINLAND 2001-2010
PAYMENT TRANSMISSION
Giros
Cheque and Urgent Giro Payments
Card Payments
1 Credit Transfers and Automation Rate
2 Electronic transfers
3 Cheque Payments
4 Urgent Transfers
5 Terminals and Card Payments
6 Value of Debit Card Payments
PAYMENT CARDS
7 Cards Distributed via Banks
8 Number of Cards by Feature
9 Number of Payment Card Transactions
10 Value of Payment Card Transactions
11 Card Payments per a Card a Year
12 Total Value of Card Payments per a Payment Card
BANKS’ DISTRIBUTION NETWORK
13
14
15
16
17
18
19
Number of Net Bank Customers and Transactions
Tupas Identification Service and Online Payments
Finvoice Intermediation Service
Number of Bank Branches and Employees
Number of Banks’ ATMs
Number of ATM Transactions
Amount of ATM Withdrawals
Credit Transfers and Automation Rate
Millions
2,000
90.6
92.1
94.0
95.0
95.5
96.0
96.7
97.2
98.0
%
100.0
97.9
1,600
80.0
835
780
1,200
60.0
726
800
483
515
572
400
0
818
603
640
676
40.0
591
760
896
897
1,040
20.0
313
395
439
508
570
12
70
9
69
6
58
6
52
5
51
5
49
4
47
3
46
2
33
0.8
39
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
Paper-based
giros
Sales slips and
cheques
EFTPOS
transactions
Electronic
transfers
0.0
Automation rate
(%, right-hand scale)
Electronic transfers
Mill. transfers
900
780
800
700
572
600
500
400
483
84
48
515
84
54
300
200
251
266
86
64
282
603
85
69
299
640
676
86
85
72
72
314
333
726
88
351
101
110
139
149
168
186
2001
2002
2003
2004
2005
2006
2007
Message
transfers
Reference
transfers
Direct
debits
91
83
84
82
835
75
84
76
210
100
0
818
Recurrent
payments
424
398
418
218
226
252
2008
2009
2010
Total
Cheque Payments
€ bn
Mill. cheques
150
8
114
100
108
5
93
81
79
77
62
50
46
50
30
1.0
0.8
0.8
0
2001
2002
2003
Cheques
(€ bn)
51
45
28
30
46
26
3
44
21
36
0.6
0.7
0.6
0.6
0.6
0.5
15
0.4
2004
2005
2006
2007
2008
2009
2010
Cheques (mill. pcs,
right-hand scale)
Average cheque
amount (1,000 €)
0
Urgent Transfers
€
1,000 giros
2,500
2,500
2,135
2,000
2,015
1,797
1,925
2,000
1,772
1,615
1,560 1,556
1,500
1,333 1,284
1,000
500
0
1,500
1,000
416
433
439
445
378
327
283
275
285
331
176
183
184
195
215
228
251
234
245
220
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
Urgent transfers
(€ bn)
Urgent transfers
(1,000 pcs,
right-hand scale)
Average amount of
urgent transfer
(1,000 €)
500
0
Payment Terminals and Card Payments
220
1,000 units
Mill. trans.
201 1,200
200
180
176
160
140
115
120
103
5 570 18
508
591
100
80
395
60
40
313
72
26
20
2001
2002
Number of
EMV-terminals
98
90
54
2003
897
97
800
97
40 760 68
164
600
229
95 284 85
471
412
374
96
92
79
20
0
439
135
153
896
1040
1,000
79
400
200
143
37
0
2004
Number of
Mg-stripe terminals
2005
2006
Total number of
EFTPOS terminals
2007
2008
EFTPOS authorizations
(right-hand scale)
2009
2010
EFTPOS
transactions
(right-hand scale)
Value of Bank Card- and Debit Card Payments
€ bn
50
€
50.0
41.9
38.1
40
35.7
36.5
35.7
36.1
35.9
35.7
36.1
37.2
30
40.0
30.0
20
0.4
10
12.2
13.8
14.8
16.2
17.8
20.8
22.5
19.9
2.8
17.2
11.7
20.0
10.0
11.8
0
0.0
2001
2002
Domestic
Bank Card
payments (€ bn)
2003
2004
2005
2006
Offline Debit Card
payments (€ bn)
2007
2008
2009
2010
Average amount of
Offline Debit Card and
Domestic Bank Card payments
(€, right-hand scale)
General purpose- and ATM Cards Distributed via Banks
1,000 cards
8,000
7,000
6184
6331
6,000
5,000
4,000
3,000
2,000
1,000
2,426
225
970
566
1,982
2,162
265
1,054
814
2,036
6535
1,930
469
1,117
1,058
1,961
6537
6453
1,556
1,139
507
570
6565
830
785
1,311
1,551
1,779
1,318
1,525
1,727
2
1,845
1,668
1,442
6840
622
989
2,085
7157
367
1,152
106
1,197
2,214
1,311
Domestic
Bank Cards
2002
Offline Debit
Cards
(Visa or EC/MC)
2003
2004
Online Debit
Cards
2005
2006
Combination Cards
(Domestic Bank Card +
Visa or EC/MC)
2,309
1,915
2,127
43
170
508
1,185
1,020
844
2008
2009
0
2001
7228
159
899
2007
Combination Cards
(Credit + Debit)
Visa- and
EC/MC Cards
(offline credit)
7448
112
1,009
2,157
292
2,484
1193
201
2010
ATM
Cards
Payment Cards by Feature
Mill. cards
14
11.8
12
10.9
10
8
6
4
2
7.8
2.3
2.0
8.5
2.5
2.1
9.2
2.7
2.4
0.6
0.8
1.1
2.9
3.1
3.1
9.9
3.1
3.5
12.5
3.4
2.7
2.7
3.1
1.3
1.5
3.2
3.2
3.4
1.7
3.2
3.9
1.9
12.8
13.0
2.6
2.5
4.6
2.1
0.3
3.3
3.2
12.4
2.0
4.4
4.1
2.3
2.5
1.7
3.3
2.2
0.5
0
2001
2002
Domestic
Bank Cards
2003
2004
Offline Debit
Cards
2005
2006
Online Debit
Cards
2007
2008
Credit and
Charge Cards
2009
2010
Retail Cards
Number of Payment Card Transactions
Mill. transactions
1,200
1,000
884
800
600
400
200
412
55
65
2
291
502
59
68
14
577
60
70
33
640
62
73
61
740
66
76
68
88
988
1002
69
90
67
1000
45
115
120
200
151
362
415
445
498
2002
2003
2004
2005
321
251
12
100
576
628
1116
37
126
557
279
78
310
479
322
0
2001
Domestic
Bank Cards
Offline Debit
Cards
2006
Online Debit
Cards
2007
2008
Credit and
Charge Cards
2009
2010
Retail Cards
Value of Card Payments (€ bn)
€ bn
45
40
35
32.0
30
27.2
25
20
15
10
5
18.6
2.4
4.0
0.1
20.7
2.5
4.1
0.3
22.3
2.5
4.2
0.7
24.4
2.6
4.3
1.3
3.0
2.9
5.3
4.5
2.9
3.0
3.2
5.7
7.7
7.8
4.0
2.0
12.2
13.8
14.8
16.2
17.8
2001
2002
2003
2004
2005
20.8
36.4
36.0
2.5
35.3
22.5
40.7
2.3
8.4
6.5
5.2
0.4
19.9
5.6
2.8
11.7
17.2
11.8
0
Domestic
Bank Cards
Offline Debit
Cards
2006
Online Debit
Cards
2007
2008
Credit and
Charge Cards
2009
2010
Retail Cards
Payment / year
220
Card Payments per a Card a Year
200
191
179
180
155
160
120
100
118
104
100
87
66
60
40
0
129
121
118
80
20
144
141
135
140
165
162
32
24
32
17
46
31
24
29
23
27
23
2521
26
20
25
23 20
26
31
27
19
18
3
2001
2002
2003
Offline Debit- and
Domestic Bank Cards
2004
2005
Online Debit
Cards
2006
2007
2008
Credit and
Charge Cards
2009
2010
Retail Cards
Total Value of Card Payments per a Card
€ / year
8,000
6114
956
1,588
963
1291
1,485
932
1678
1,577
854
2103
1,466
883
2442
1,693
1,221
2432
1,796
991
2620
2,051
1,175
5196
680
1,768
946
5531
5785
6457
4498
4175
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
1,946
1,006
0
383
1,000
1,967
1,018
2,000
95
3,000
4819
5,000
5146
6,000
4,000
6865
7,000
Offline Debit- and
Domestic Bank Cards
Online Debit
Cards
Credit and
Charge Cards
Retail Cards
Net Bank Customers and Transactions
1,000 agreements
6,000
Mill. trans.
600
5,000
4,685
4,282
4,000
3,579
3,000
2,576
2,791 2,923
3,239
145.3
0
3,856
283.7 287.5
309.6
329.6
500
400
354.1 390.6
300
205.2
2,000
1,000
4,928
5,238
200
160.1
110.4
100
212
210
213
213
220
232
226
232
232
233
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
Web bank
agreements
Batch file
agreements
Web bank transactions
(millions, right-hand scale)
0
Millions
Tupas Identifications and Online Payments
29.9
30
25
23.1
21.7
19.2
20
15.6
15
13.5
11.4
10
7.7
5.2
5
0
2.8
0.0
2003
1.0
2004
2.5
2005
10.6
6.5
4.0
2006
Identifications
2007
2008
Online Payments
2009
2010
Finvoice Intermediation Service
1,000 pcs
Millions
14.4
1,200
1,092
14
12
1,000
10
800
8.4
666
8
600
6
5.2
400
200
59 0.3
76 1.1
95
97
4
276
2.7
110
135
182
0
2
0
2005
2006
Sender and Receipient
agreements (Companies)
2007
2008
Recieving-infomessages
(Consumers)
2009
2010
Finvoice-messages
(mill. pcs, right-hand scale)
Branches and Employees of Deposit-taking Banks
operating in Finland
1,000
Branch offices
3,500
3,000
30.0
24.8
24.5
23.4
2,500
2,000
1,500
22.8
23.0
24.8
25.0
25.7
24.9
24.7 25.0
20.0
1,783 1,756 1,693
1,672 1,606 1,605
1,571 1,573 1,564 1,583
15.0
10.0
1,000
500
5.0
0
0.0
2001
2002
2003
2004 2005*) 2006
Branches
(left-hand scale)
*) Branches of Pohjola included since 2005
2007
2008
2009
Employees
(1000 persons, right-hand scale)
2010
ATMs and Self Service Terminals
Units
1,649
1,173
1,038
1,223
1,164
1,653
1,652
1,509
1,212
1,237
1,249
1,658
1,560
1,669
1,610
1,689
1,696
1,293
1,328
1,220
1,160
1,000
1,112
1,500
1,729
1,741
2,001
1,954
2,110
2,107
2,000
2,132
2,200
2,500
500
0
2001
2002
2003
2004
Cash dispensing ATMs
2005
2006
Giro ATMs
2007
2008
2009
Multipurpose Terminals
2010
ATM Transactions
Mill. transactions
500
450
400
123
350
300
76
250
123
69
109
98
89
60
54
67
42
200
61
53
55
35
29
24
21
50
16
150
100
248
241
230
221
209
197
190
186
180
172
2004
2005
2006
2007
2008
2009
2010
50
0
2001
2002
2003
Withdrawals
Giro transfers
Withdrawal and
Giro enquiries
ATM Withdrawals (€ bn)
€
160
€ bn
20
17.4
17.3
17.4
17.2
16.9
16.6
16.4
16.6
16.4
84.1
86.5
89.4
91.5
15.7
120
15
10
70.2
71.7
77.8
75.4
81.0
91.1
80
5
40
0
0
2001
2002
2003
2004
ATM
withdrawals
2005
2006
2007
2008
2009
Average withdrawal
amount (€, right-hand scale)
2010
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
that 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.
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.
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 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
and 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.
Figure 7
Online 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. 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 8–12
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 business 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.
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 13
Data Connection Agreements are agreements made between the bank and the customer concerning how the customer can make
payments or use other electronic services provided by the bank. As regards consumers, agreements usually concern Web banks;
agreements with corporate 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 14
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 15
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 17–19 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.