Digital Payment Adoption Statistics in Finland (2026)
98.5% of adults in Finland made or received a digital payment in 2021, World Bank Global Findex data show. Up from 98.3% in 2017 to 98.5% in 2021 (+0.2 percentage points). Finland ranks #10 of 46 economies in Europe & Central Asia on this measure, and #11 of 142 globally.
Key Statistics
- Latest value (2021)
- 98.5% (2021)
- Digital Payment Adoption in Finland as of 2021, the most recent observation in World Bank Global Findex data.
- Change since 2017
- +0.2 pp (2021)
- Up from 98.3% in 2017 to 98.5% in 2021 (+0.2 percentage points).
- Earliest value in this dataset (2014)
- 98.5% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Down from 98.5% in 2014 to 98.5% in 2021.
- Peak value (2014)
- 98.5% (2014)
- Highest value in the available series; the 2021 value is 98.5%.
- Rank in Europe & Central Asia
- #10 of 46 (2021)
- Finland ranks 10 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #11 of 142 (2021)
- Finland ranks 11 of 142 countries with data globally.
- Europe & Central Asia average
- 82.7% (2021)
- Finland (98.5%) is above the average of 82.7% across the 46 countries in Europe & Central Asia with data.
- Among women (2021)
- 98.5% (2021)
- Value for women in Finland, same 2021 World Bank Global Findex data.
- Among men (2021)
- 98.4% (2021)
- Value for men in Finland, same 2021 World Bank Global Findex data.
- Gender gap (women minus men)
- +0.1 pp (2021)
- In 2021, the figure was 98.5% for women and 98.4% for men — 0.1 percentage points higher among women.
- Among the poorest 40% (2021)
- 96.9% (2021)
- Value for adults in the poorest 40% of households in Finland in 2021.
- Poorest-40% gap vs national
- −1.6 pp (2021)
- The poorest 40% (96.9%) are 1.6 percentage points below the national figure (98.5%).
- Made a digital payment (% age 15+) (2021)
- 97.7% (2021)
- Related indicator from World Bank Global Findex.
- Received digital payments (% age 15+) (2021)
- 80.6% (2021)
- Related indicator from World Bank Global Findex.
- Internet use in Finland (2024)
- 93.7% (2024)
- 93.7% of the population in Finland used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 5.6 million (2024)
- Finland had a population of 5.6 million in 2024 (World Bank); shown for scale only.
Trend, 2014–2021
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2021 | 98.5% | +0.2 pp |
| 2017 | 98.3% | −0.2 pp |
| 2014 | 98.5% | — |
Frequently asked questions
What share of adults in Finland made or received a digital payment?
98.5% of adults in Finland made or received a digital payment in 2021, according to World Bank Global Findex data.
Where does Finland rank globally on digital payment adoption?
Finland ranks 11 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.
Is there a gender gap in digital payment adoption in Finland?
Yes — in 2021 the figure was 98.5% for women and 98.4% for men, a gap of 0.1 percentage points in favor of women.
When did digital payment adoption in Finland peak?
The highest value in the available series was 98.5% in 2014; the latest (2021) value is 98.5%.
How recent is the digital payment adoption data for Finland?
The most recent observation is from 2021. World Bank Global Findex data is reported with a lag, so 2021 is the latest available year for Finland.
Source & methodology
Source: World Bank Global Findex, indicator
g20.any, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .