Card, Internet and mobile payments in Finland

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Title: Card, Internet and mobile payments in Finland
Author: Jyrkönen, Hanna ; Paunonen, Heli
Organization: Suomen Pankki
Department / Unit: Financial Markets Department
Series: Suomen Pankin keskustelualoitteita
Bank of Finland. Discussion papers
Series number: 8/2003
Year of publication: 2003
Publication date: 12.3.2003
Pages: 45 s.
Keywords: maksut; maksukortit; Suomi; Internet; lainsäädäntö; maksutavat; matkapuhelimet;
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. Key words: retail payments, payment cards, Internet payments, mobile payments

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