Statistical data on the banks’ payment systems in Finland2001-2010
1 April 2011
PAYMENT TRANSMISSIONGiros
Cheque and Urgent Giro Payments
Card Payments
PAYMENT CARDS
BANKS’ DISTRIBUTION NETWORK
1 Credit Transfers and Automation Rate2 Electronic transfers
3 Cheque Payments4 Urgent Transfers
5 Terminals and Card Payments6 Value of Debit Card Payments
7 Cards Distributed via Banks8 Number of Cards by Feature9 Number of Payment Card Transactions10 Value of Payment Card Transactions11 Card Payments per a Card a Year12 Total Value of Card Payments per a Payment Card
13 Number of Net Bank Customers and Transactions14 Tupas Identification Service and Online Payments15 Finvoice Intermediation Service16 Number of Bank Branches and Employees17 Number of Banks’ ATMs18 Number of ATM Transactions19 Amount of ATM Withdrawals
STATISTICAL DATA ON THE BANKS’ PAYMENT SYSTEMS AND DISTRIBUTION NETWORKS IN FINLAND 2001-2010
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
400
800
1,200
1,600
2,000
0.0
20.0
40.0
60.0
80.0
100.0
70 69 58 52 51 49 47 46 33 3912 9 6 6 5 5 4 3 2 1
313 395 439 508 570 591760
896 8971,040
483515
572603
640 676
726
780 818
835
90.6 92.1 94.0 95.0 95.5 96.0 96.7 97.2 98.0 97.9
Paper-based giros
Sales slips and cheques
EFTPOS transactions
Electronic transfers
Millions %Credit Transfers and Automation Rate
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
100
200
300
400
500
600
700
800
900
101 110 139 149 168 186 210 218 226 252
251 266282 299
314333
351398 418
424
4854
6469
7272
7682
8484
8484
8685
8586
8883
91 75
483515
572603
640676
726780
818 835
Message transfers
Reference transfers
Direct debits
Recurrent payments
Total
Mill. transfersElectronic transfers
2001 2002 2003 2004 2005 2006 2007 2008 20090
50
100
150
0
3
5
8
108
77
62
50
30 28 3026
21151.0 0.8 0.8 0.6 0.7 0.6 0.6 0.6 0.5 0.4
114
93
79 81
46 4551
46 4436
Cheques (€ bn)
Cheques (mill. pcs, right-hand scale)
Average cheque amount (1,000 €)
Mill. chequesCheque Payments€ bn
2001 2002 2003 2004 2005 2006 2007 2008 20090
500
1,000
1,500
2,000
2,500
0
500
1,000
1,500
2,000
2,500
275 285 331416 433 439 445 378 327 283
176 183 184 195 215 228 251 234 245 220
1,560 1,556
1,797
2,1352,015
1,9251,772
1,615
1,333 1,284
Urgent transfers (€ bn)
Urgent transfers (1,000 pcs,right-hand scale)
Average amount of urgent transfer (1,000 €)
1,000 girosUrgent Transfers
€
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
20
40
60
80
100
120
140
160
180
200
220
0
200
400
600
800
1,000
1,200
72 7992 96 98 97 95 85 79
37
5.169 17.56240.17 68.34
97163.545
103.169
114.562135.381
152.92176.41
200.64
20 26 54 90143
229284
374412
471
313395
439508
570591
760
896 897
1040
Number of EMV-terminals
Number of Mg-stripe terminals
Total number ofEFTPOS terminals
EFTPOS authorizations(right-hand scale)
Mill. trans.
1 000 kpl
1,000 units
Payment Terminals and Card Payments
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
10
20
30
40
50
0.0
10.0
20.0
30.0
40.0
50.0
12.2 13.8 14.8 16.2 17.820.8 22.5 19.9 17.2
11.8
0.4 2.8 11.7
41.9
38.135.7 36.5 35.7 36.1 35.9 35.7 36.1 37.2
Domestic Bank Card payments (€ bn)
Offline Debit Card payments (€ bn)
Average amount of Offline Debit Card and Domestic Bank Card payments (€, right-hand scale)
€ bn
Value of Bank Card- and Debit Card Payments €
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
1,982 2,036 1,961 1,845 1,668 1,442 1,185 1,020 844201
566 814 1,058 1,318 1,525 1,727 1,915 2,1272,309 2,484
9701,054 1,117
1,311 1,551 1,779 2,0852,214 1,311
292225
265469
507570
785989
1,152899 1,009
2,4262,162
1,930 1,556 1,139830
622367 159
112
2.23842.982 170.394508.284
1192.503
106 1,1972,157
6184 6331 6535 6537 6453 65656840
7157 7228 7448
1,000 cards
General purpose- and ATM Cards Distributed via Banks
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
2
4
6
8
10
12
14
2.9 3.1 3.1 3.2 3.2 3.2 3.3 3.22.2
0.5
0.6 0.8 1.1 1.3 1.5 1.7 1.9 2.12.3 2.5
2.02.1
2.42.7
3.1 3.43.9
4.64.4 4.1
2.32.5
2.72.7
3.13.5
3.42.6 2.5 2.0
0.3 1.73.3
7.88.5
9.29.9
10.911.8
12.5 12.8 13.012.4
Domestic Bank Cards
Offline DebitCards
Online DebitCards
Credit and Charge Cards
Retail Cards
Mill. cards
Payment Cards by Feature
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
200
400
600
800
1,000
1,200
291362 415 445 498
576 628557
479322
2
1433
61100
151200
251 279
321
65
6870
73
76
88
90 115 120
126
55
5960
62
66
68
69 67 45
37
412
502577
640
740
884
988 1002 1000
1116
12.26977.555
310.437
Domestic Bank Cards
Offline DebitCards
Online Debit Cards
Credit and Charge Cards
Retail Cards
Mill. transactions
Number of Payment Card Transactions
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
5
10
15
20
25
30
35
40
45
12.2 13.8 14.8 16.2 17.820.8 22.5
19.917.2
11.8
0.10.3
0.71.3
2.0
2.94.0
5.2 5.6
6.5
4.04.1
4.24.3
4.5
5.3
5.7 7.7 7.8
8.4
2.42.5
2.52.6
2.9
3.0
3.0 3.2 2.5
2.3
18.620.7
22.324.4
27.2
32.0
35.3 36.4 36.0
40.7
0.39612.813511.6683
Domestic Bank Cards
Offline DebitCards
Online DebitCards
Credit and Charge Cards
Retail Cards
€ bnValue of Card Payments (€ bn)
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
20
40
60
80
100
120
140
160
180
200
220
100
118
135141
155
179191
162
144
165
3
17
3146
66
87
104
118121
129
32 32 29 27 25 26 2325 27 31
24 24 23 23 21 20 20 2618 19
Offline Debit- and Domestic Bank Cards
Online DebitCards
Credit and Charge Cards
Retail Cards
Payment / yearCard Payments per a Card a Year
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,0004175
4498
4819
5146
5531
6457
6865
5785
5196 6
114
95 383 680 956
1291
1678
2103
2442
2432
2620
1,9
67
1,9
46
1,7
68
1,5
88
1,4
85
1,5
77
1,4
66
1,6
93
1,7
96
2,0
51
1,0
18
1,0
06
946
963
932
854
883
1,2
21
991
1,1
75
Offline Debit- and Domestic Bank Cards
Online DebitCards
Credit and Charge Cards
Retail Cards
Total Value of Card Payments per a Card€ / year
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
1,000
2,000
3,000
4,000
5,000
6,000
0
100
200
300
400
500
600
212 210 213 213 220 232 226 232 232 233
2,5762,791 2,923
3,2393,579
3,856
4,2824,685
4,9285,238
110.4145.3 160.1
205.2
283.7 287.5309.6
329.6354.1 390.6
Web bankagreements
Batch file agreements
Web bank transactions(millions, right-hand scale)
1,000 agreements
Mill. trans.
Net Bank Customers and Transactions
2003 2004 2005 2006 2007 2008 2009 20100
5
10
15
20
25
30
0.01.0
2.54.0
6.5
10.6
13.5
21.7
2.8
5.2
7.7
11.4
15.6
19.2
23.1
29.9
Identifications Online Payments
Tupas Identifications and Online Payments(Service Providers)Millions
2005 2006 2007 2008 2009 20100
200
400
600
800
1,000
1,200
0
2
4
6
8
10
12
14
59 76 95 110 135182
97
276
666
1,092
0.31.1
2.7
5.2
8.4
14.4
Sender and Receipient agreements (Companies)
Recieving-infomessages(Consumers)
Finvoice Intermediation Service1,000 pcs Millions
2001 2002 2003 2004 2005*)
2006 2007 2008 2009 20100
500
1,000
1,500
2,000
2,500
3,000
3,500
0.0
5.0
10.0
15.0
20.0
25.0
30.0
1,571 1,573 1,564 1,5831,783 1,756 1,693 1,672 1,606 1,605
24.8 24.523.4 22.8 23.0
24.8 25.0 25.7 24.9 24.7
Branches(left-hand scale)
Employees(1000 persons, right-hand scale)
*) Branches of Pohjola included since 2005
Branch offices
Branches and Employees of Deposit-taking Banks
operating in Finland1,000 persons
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
500
1,000
1,500
2,000
2,500
2,1
32
2,1
10
2,0
01
1,7
29
1,6
89
1,6
69
1,6
58
1,6
52
1,6
53
1,6
49
2,2
00
2,1
07
1,9
54
1,7
41
1,6
96
1,6
10
1,5
60
1,5
09
1,2
23
1,1
73
1,1
12
1,1
60
1,2
20
1,3
28
1,2
93
1,2
49
1,2
37
1,2
12
1,1
64
1,0
38
Cash dispensing ATMs Giro ATMs Multipurpose Terminals
Units
ATMs and Self Service Terminals
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
50
100
150
200
250
300
350
400
450
500
248 241 230 221 209 197 190 186 180 172
76 6960 54
4235 29 24 21 16
123123
10998
8967
6153 55
50
Withdrawals Giro transfers Withdrawal and Giro enquiries
Mill. transactions
ATM Transactions
2001 2002 2003 2004 2005 2006 2007 2008 2009 20100
5
10
15
20
0
40
80
120
160
17.4 17.3 17.4 17.2 16.9 16.6 16.4 16.6 16.415.7
70.2 71.7 75.4 77.8 81.0 84.1 86.5 89.4 91.5 91.1
ATM withdrawals
Average withdrawal amount (€, right-hand scale)
€ bn €
ATM Withdrawals (€ bn)
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.
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