The Kingdom of Norway, is a Scandinavian unitary constitutional monarchy whose territory comprises the western portion of the Scandinavian Peninsula, Jan Mayen, the Arctic archipelago of Svalbard and the subantarctic Bouvet Island. Link to external site : Website for Norway |  |
| Wallets | |
| Development | Developed |
| Send or Receive |
Send Register/Log In |
| GDP ($m) |
388,412.93 Register/Log In |
| HDI classification | Very High |
| Mobile Connections (m) |
5.390 Upgrade to Bronze |
| Currency | NOK |
| Class | |
| CountryISO | NO |
| Sovereignity | Country |
| Territory of | - NA - |
{"type":"GeoChart","data":[["Country","Population(m)","Rank"],["NO",4.709,112]],"options":{"title":"Countries","region":"NO","displayMode":"regions","colorAxis":{"minValue":0,"maxValue":1500,"colors":["yellow","green","red"]}}}
{"type":"PieChart","data":[["Operator","Connections"],["Telenor",3080438],["NetCom (TeliaSonera)",1696800],["Network Norway",522340],["Ice.net (Access Industries)",90000]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",3300000],["Q4 2001",3600000],["Q4 2002",3900000],["Q4 2003",4163381],["Q4 2004",4716090],["Q4 2005",4633986],["Q4 2006",4644171],["Q4 2007",4775186],["Q4 2008",5023630],["Q4 2009",5173471],["Q4 2010",5358577],["Q4 2011",5516947],["Q4 2012",5638749],["Q4 2013",5735902],["Q4 2014",5810648]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Mobile",4],["Web",2]],"options":{"title":"Initiatives ( 4 of 4 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",1],["PSP",2],["Scheme",1],["Vendor",1]],"options":{"title":"Initiatives ( 4 of 4 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Hub",1],["MP",1],["NFC",1],["OP",1]],"options":{"title":"Initiatives ( 4 of 4 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["BP",1],["Card",1],["DMT",1],["MP",3],["NFC",1],["OP",2]],"options":{"title":"Initiatives ( 4 of 4 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Card",3],["NFC",1],["Wallet",1]],"options":{"title":"Initiatives ( 4 of 4 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Mixed legal system of civil, common, and customary law; Supreme Court can advise on legislative acts Upgrade to Bronze |
| Law is based on |
Scandinavian-German civil law. Norwegian Code of 1687. Upgrade to Bronze |
| Approach | |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
Jointly Led Upgrade to Bronze |
| DominantModel |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",110.32],["Banked",84],["Internet",81],["Urban",77],["Adult",81],["Literate",100]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 4.71 |
| Adult % | 81.00 |
| Migrants % |
7.00 Register/Log In |
| Stock Immigrants ('000) |
485.40 Upgrade to Bronze |
| Emigration Rate % | |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % |
11.00 Upgrade to Bronze |
| Urban % | 77.00 |
| Female % | 51.10 |
| Literate % | 100.00 |
| Annual Growth % |
| Mobile Penetration % | 110.32 |
| Banked % | 84.00 |
| Access to FS % | 0.00 |
| Internet % | 81.00 |
| Branches per 100k adults | 34.97 |
| ATMs per 100k adults | 59.73 |
| POS per 100k adults | 2,827.43 |
| Prepaid % | 29.60 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 0.75 |
| Monthly ARPU |
46.53 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 |