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Banks and payment services in Finland

Banks and payment services in Finland. Nets Holding A/S Management 19.9.2013 Deputy Governor Pentti Hakkarainen Bank of Finland. Structure of the presentation. The challenging environment of retail banking Drivers of change in payment services Bank of Finland approach to payment services.

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Banks and payment services in Finland

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  1. Banks and payment services in Finland Nets Holding A/S Management 19.9.2013 Deputy Governor Pentti Hakkarainen Bank of Finland

  2. Structure of the presentation The challenging environment of retail banking Drivers of change in payment services Bank of Finland approach to payment services

  3. Payments made electronically Source: FFFS

  4. Value development of card payments • Source: FFFS

  5. Nordics rely on payment cards

  6. Bank of Finland approach to payment services • Efficiency • Cost efficiency, technology • Non-discrimination • All customer segments must be considered • Correct price incentives • Relative costs of payment instruments • Continuity, reliability and contingency • Public-private sector co-operation • International compatibility • Standardisation

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