The Republic of Finland is a Nordic country situated in Northern Europe. It is bordered by Sweden to the west, Norway to the north and Russia to the east. Estonia lies to the south. Link to external site : Website for Finland |  |
| Wallets | |
| Development | Developed |
| Send or Receive |
Send Register/Log In |
| GDP ($m) |
244,660.85 Register/Log In |
| HDI classification | Very High |
| Mobile Connections (m) |
9.635 Upgrade to Bronze |
| Currency | EUR |
| Class | |
| CountryISO | FI |
| Sovereignity | Country |
| Territory of | - NA - |
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{"type":"PieChart","data":[["Operator","Connections"],["Elisa Oyj",3700073],["Sonera (TeliaSonera)",3500381],["DNA",2232943],["Other",172568],["Alands Mobiltelefon",29504]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",3664426],["Q4 2001",4289678],["Q4 2002",4732072],["Q4 2003",5065474],["Q4 2004",5082895],["Q4 2005",5622365],["Q4 2006",5801902],["Q4 2007",6242850],["Q4 2008",7039556],["Q4 2009",7970263],["Q4 2010",8794536],["Q4 2011",9289977],["Q4 2012",9554547],["Q4 2013",9714154],["Q4 2014",9822301]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Mobile",2],["Web",3]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",1],["PSP",2]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["DB",1],["OP",2]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["HVP",1],["MB",1],["OB",1],["OG",1],["OP",3]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Account",3],["Card",1]],"options":{"title":"Initiatives ( 3 of 3 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Civil law system based on the Swedish model; note - the president may request the Supreme Court to review laws Upgrade to Bronze |
| Law is based on |
civil law system based on Swedish law Upgrade to Bronze |
| Approach |
Ex Ante Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",155.89],["Banked",99],["Internet",68],["Urban",63],["Adult",83],["Literate",100]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 5.29 |
| Adult % | 83.00 |
| Migrants % |
3.00 Register/Log In |
| Stock Immigrants ('000) |
225.60 Upgrade to Bronze |
| Emigration Rate % | |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % | |
| Urban % | 63.00 |
| Female % | 50.60 |
| Literate % | 100.00 |
| Annual Growth % |
| Mobile Penetration % | 155.89 |
| Banked % | 99.00 |
| Access to FS % | 0.00 |
| Internet % | 68.00 |
| Branches per 100k adults | 36.68 |
| ATMs per 100k adults | 38.74 |
| POS per 100k adults | 65.78 |
| Prepaid % | 8.80 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 0.05 |
| Monthly ARPU |
34.48 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Mobile Payment Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |