European Payment Cards Yearbook

Finland - Summary

	Price: £75.00
Market Overview
Payment Organizations	Luottokunta (bank service provider), Automatia (ATMs), Finnish Bankers Association.

Domestic Scheme	Pankkikortti debit cards, being replaced by MasterCard Debit or VISA Electron cards.

Market Structure	Sophisticated market, with high levels of card use. Numbers of ATMs and cash withdrawals have been declining. The three biggest banks account for about 90% of sector assets.

Major Issuers	Nordea, OP-Pohjola Bank, Sampo Bank, Savings Banks.

Major Acquirers	Luottokunta, Nordea, OP-Pohjola Bank.

Key Statistics 2010
Population	5.363 million
Cards	ATM cards: 112,000 Debit: 3.0 million Delayed debit and credit: 4.1 million Total: 7.448 million (including ATM cards)