Research Discussion Papers, Bank of Finland
No 8/2003:
Card, Internet and mobile payments in Finland
Hanna Jyrkönen and Heli Paunonen ()
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.
Keywords: retail payments; payment cards; Internet payments; mobile payments; (follow links to similar papers)
48 pages, March 12, 2003
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