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Card, Internet and mobile payments in Finland

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  • Jyrkönen, Hanna
  • Paunonen, Heli

Abstract

Retail payment methods are in a stage of rapid development.New service providers and technological developments enable new payment services through a variety of channels.Payment solutions are being developed based eg on the Internet and on mobile phones. Presumably, the use of paper-based payment instruments will decrease further in the future thanks to electronification in the retail payment area. In this paper we focus on card payments in Finland and certain other countries.We also look at Internet- and mobile-based payments and discuss some of the challenges related to the new solutions.The paper ends with a brief discussion of recent changes in Finnish legislation in connection with retail payments.

Suggested Citation

  • Jyrkönen, Hanna & Paunonen, Heli, 2003. "Card, Internet and mobile payments in Finland," Bank of Finland Research Discussion Papers 8/2003, Bank of Finland.
    • Handle: RePEc:zbw:bofrdp:rdp2003_008
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    References listed on IDEAS

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    1. repec:zbw:bofrdp:2000_019 is not listed on IDEAS
    2. Timothy McHugh, 2002. "The growth of person-to-person electronic payments," Chicago Fed Letter, Federal Reserve Bank of Chicago, issue Aug.
    3. Sujit Chakravorti & Timothy McHugh, 2002. "Why do we use so many checks?," Economic Perspectives, Federal Reserve Bank of Chicago, vol. 26(Q III), pages 44-59.
    4. Snellman, Jussi, 2000. "Evolution of retail payments in Finland in the 1990s," Bank of Finland Research Discussion Papers 19/2000, Bank of Finland.
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    Citations

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    Cited by:

    1. Dahlberg, Tomi & Öörni, Anssi, 2006. "Finnish consumers' expectations on developments and changes in payment habits: survey in connection with the research project "Finnish payment habits 2010"," Bank of Finland Research Discussion Papers 32/2006, Bank of Finland.

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